davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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: ALLY FINANCIAL INC. (NJ)

A hotel reservation was made in XXXX for XXXX XXXX Maryland. On XX/XX/XXXX, the reservation was canceled and a merchant return for the amount of {$740.00} was sent to my Ollo XXXX on XX/XX/XXXX. Ollo XXXX  is holding the money as a pending and they are telling me it takes 30 days for the amount to post back to my account.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On or about the dates XXXX, and XX/XX/2022 as shown on my Transunion, XXXX, and XXXX credit file, XXXX XXXXXXXX XXXX XXXX has supplied late payments . 15 USC 1666 B clearly states : " A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as late for ANY REASON. 
Furthermore, 15 USC 1681 Section 602 states : I have a right to privacy. FCRA 15 USC1681 Section 604 A that my written permission is needed to furnish any items on my credit report ( s ). So therefore, XXXX XXXXXXXX XXXX XXXX has violated my rights and furnished damaging illegal entries to my credit file, at which prevents me from simply living my life and causes me great stress. Also during this same time frame of late payments i was seriously impacted by Covid-19, so I would also like to enforce my full rights as it applies to this matter under the CaresAct.
Consumer complaint received 2016-05-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I have asked Fidelity Creditor Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2022-09-05
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. (IL)

XXXX  on XX/XX/XXXX should NOT be on my report. I've been disputing this for the last few months. I WANT THIS REMOVED. I have not applied for a home loan nor do I own one. Also Experian is breaking a law. 

15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Conduent Incorporated (FL)

My name is XXXX XXXX. I received a Way2go prepaid card and I never applied for. It came under the name of XXXX XXXX XXXX my previous married name ). I Have called the number behind the card and it required me to activate the card first. I dont know what to do to report it and cancel it. Please I need help with this issue. I have an idea of who did it. His name is XXXX XXXX. Im going through a divorce and he is been trying to open credit in my name in multiple occasions. He is a felon in the state of Florida. 
Thank you, XXXX XXXX
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

Made a complaint previously and received documents from ocwen and upon reviewing them myself and with a lawyer, there a numerous mistakes that need to be corrected immediately! There a $ XXXX {$89.00} unnecessary fees applied/charged with ever payment made. On XXXX {$5600.00} in check form was " added '' to my principal as wel as that same amount being applied to interest and accusing a few of {$420.00}. Also, on XXXX, {$8800.00} was " added '' to my principal as well as {$2000.00} added to principal on that same date! On XXXX {$5000.00} was listed. I have numerous corporate advance adjustments that are unnecessary. Also according to my bank statements multiple payments that were paid on time were obviously held by company and then they credited them along with charging late fees. I have payments that were made by trustee during bankruptcy and the date he recorded paying is not what is documented by Litton and I also a cures late charges during both bankruptcies! Chapter XXXX in XXXX, and chapter XXXX in XXXX. I want these mistakes corrected immediately!
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MT)

I have {$4400.00} or so on my Student Loan, But that total has not really went down Since XXXX When I checked back with XXXX XXXX Back in XXXX how long it would take to pay of the money at that time was {$5600.00} so I started to pay on the loan {$73.00} a month and have been paying every month it now XXXX and this amount it is now {$4400.00} how in the world does that work, so over the past from ( 9 ) years all that I paid in principal is {$1200.00}
Consumer complaint received 2015-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (WA)

In 2009 I was offered a program from City Mortgage called HAMP which offered lower monthly rates and 30 years fixed rate.Before getting on the program I was told that I dont have to pay anything until they decide if I qualify or not.I still made payments every month for XXXX instead of XXXX dollars each month.The qualification review took over a year and I got a letter telling me I am not qualified and I owe City Mortgage over $ XXXX.I could n't pay that amount and numerous times contacted City Mortgage to see why I am not qualified.I never got a clear answer why and they did not want to help me.I was told if I could not pay that amount that my house will go to foreclosure.At that time I started to write complaints to corporate and the {$20000.00} got added to my mortgage and I was put on the program which supposedly I did not qualify for.Just now I got a letter stating that my mortgage is now lengthened to 40 years instead of 30 how they stated before.I contacted a loan agent to refinance my mortgage and was told that my rate would not be low due to City Mortgage filing a foreclosure report. 
I was never late on my payments, I was offered HAMP program by City Mortgage and they told me not to pay anything or pay XXXX which I choose to pay.And in the end I am stuck with a false foreclosure made by City Mortgage on my record.
Consumer complaint received 2015-06-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (PA)

About 5 months ago we opened a car loan through a dealership.. Then ran my credit about XXXX to XXXX times that day to try to get us approved. GM picked it up at a I want to say at 17 % interest.. The dealership also marked up the car. Bottom line is we were ripped off by both the dealership and GM
Consumer complaint received 2023-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (OH)

I NEEDED TO RENT A CONDO AT XXXX XXXX XXXX, SO I CHECKED AVAILABLE CONDOS LISTED ON XXXX. I REPLIED TO AN AD. TALKED WITH XXXX XXXX AT " XXXX XXXX XXXX'. PHONE # XXXX, EMAIL XXXX. SHE SENT ME A CONTRACT FOR THE UNIT WITH ADDRESS, UNIT # AND XXXX PICS OF CONDO. I SIGNED CONTRACT AND EMAILED TO HER. SHE THEN ASKED ME TO PAY TO SECURE CONDO. SHE TEXTED ME A LINK TO PAY HER VIA XXXX. I SENT HER FULL PAYMENT OF {$1100.00} VIA XXXX. SHE REPLIED IT DIDN'T GO THRU AND CREDITED/REFUNDED ME THE AMOUNT. SHE THEN ASKED ME TO WIRE HER THE MONEY TO HER " COMPANY ACOUNT : XXXX XXXX XXXX, NAME : XXXX XXXX XXXX, CHECKING # XXXX, ROUTING # XXXX. BUT I FOUND OUT MY BANK CHARGES {$30.00} FOR A WIRE TRANSFER, SO I TOLD HER I WILL TRY XXXX. SHE GAVE ME THIS ACT INFO FOR XXXX : ( ACCT NAME XXXX XXXX XXXX ). I HAVE NEVER SENT $ VIA XXXX BEFORE, AND DIDN'T KNOW WHAT INFO I NEEDED, BUT I THEN TRIED TO SEND HER PAYMENT VIA XXXX. XXXX COULDN'T SEND PAYMENT TO ACCOUNT INFORMATION SHE GAVE ME. SHE THEN ASKED ME TO SEND HER A WIRE TO " XXXX XXXX, ROUTING # XXXX, ACOUNT # XXXX ). SHE TOLD ME XXXX XXXX IS THE REALTY COMPANY SHE WORKS FOR, SO I WIRED HER COST OF CONDO FROM MY BANK ACT TO THE COMPANY ACT INFO SHE GAVE ME. IT STILL DIDN'T GO THRU. SINCE I COULDN'T GET THE PAYMENT INTO THE " COMPANY '' ACCT, SHE TEXTED ME TO WIRE IT TO HER AND SHE'D PAY HER COMPANY FOR MY CONDO RENTAL. SHE THEN GAVE ME HER PERSONAL ACT INFO AND TOLD ME TO WIRE HER ACT : XXXX XXXX, ROUTING # XXXX, CHECKING ACT # XXXX, ADDRESS : XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX. I SUCCESSFULLY WIRED THE {$1100.00} TO THIS ACT. AFTER THE WIRE WENT THRU TO THE ACT LISTED ABOVE ( I REC 'D CONFIRMATION FROM MY BANK THAT IT WENT THRU SUCCESSFULLY, INCLUDING THE {$30.00} FEE ), I WASN'T ABLE TO GET AHOLD OF HER ON EITHER TELEPHONE # I HAD FOR HER. I EMAILED HER BUT DIDN'T HEAR BACK. I SHOULD HAVE KNOWN BETTER ; KNOWN THIS WAS ALL A FRAUD, BUT IVE BEEN LOOKING FOR A CONDO FOR OUR VACATION FOR MONTHS, AND WANTED TO SECURE ONE. XXXX AND I WENT BACK AND FORTH FOR A COUPLE WEEKS, BEFORE I FINALLY WIRED HER THE . SHE WAS SO CONVINCING ; CALLING ME, TEXTING ME, FEEDING ME ALL THE INFO I WAS ASKING FOR ( SUCH AS WHAT COMPANY SHE WORKS FOR, ETC ).
Consumer complaint received 2022-02-14
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. (FL)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED. I ALWAYS PAID ON TIME AND IM RESPONSIBLE FOR ALL MY PAYMENTS
Consumer complaint received 2022-02-14
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. (NY)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello, A subscriber to Transunion, XXXX or XXXX, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX v. XXXX XXXX. 

I ask that the inaccurate information be removed as their subscriber has failed to respond. Thank you.
Consumer complaint received 2018-05-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (KS)

I was waiting to get paid to pay my car payment, the company called I gave them a date to paid the rep I spoke was so rude says you need to think of something we need payment now, I advised needs 7 more days to make a payment, the rep says the vehicle is out for repossession by the rep telling me that I did not want to make a payment, so 1month later after that my vehicle was repossessed. The reps does not the the right to talk you a paying customer that way!
Consumer complaint received 2015-10-25
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (OH)

Our Rush card had XXXX side funds put aside XXXX emergency funds and on XXXX money for the kids. Just now got the emergency funds but they cleaned out the XXXX money. What the heck. Are we gon na get that back?
Consumer complaint received 2015-11-29
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (DE)

Rushcard issued me A duplicate card of the Card that recently expired XXXX XXXX I am unable to check my balance and enroll in text alerts I have been having this issue since late XXXX yes I received the letter with deposits I was able to receive before the complications of my account they sent no record of the issues that I have been having with Rushcard via metabank I have I have I have XXXX or more reference accounts where I contacted Rushcard via emailAcknowledge : no subject ( Ticket # XXXX ) Acknowledge : no subject ( Ticket # XXXX ) XXXXAcknowledge : no subject ( Ticket # XXXX ) These are the tracking numbers I received for the same issue not multiple but the same issue please respond immediately feeling really inconvenienced I 've been a customer with Rushcard since 2008
Consumer complaint received 2015-07-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXCreditor : XXXX XXXX XXXX, XXXX. 
XXXX Account : XXXX Creditor : XXXXDear CFPB : The credit card I once had with XXXX Bank was closed after 10 years. The account was in 2004.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (NY)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MD)

I opened a Citi Bank credit card account with Best Buy on XX/XX/XXXX and made at {$4000.00} purchase at Best Buy on this credit card, an interest deferred offer. I had amoritzed payments to pay off the entire balance by the expiration date on the offer ( XX/XX/XXXX ) in 24 equal payments via an auto-pay. Prior to the first payment being made, a payment of {$100.00} was made over the phone on XX/XX/XXXX. After the first payment, an e-check was scheduled to go out from my bank for XXXX, XXXX, until the auto-pay could begin. Recently, I received a statement from Best Buy, indicating a balance of {$1700.00}. A telephone inquiry with Best Buy, made on XX/XX/XXXX, has revealed that, by XX/XX/XXXX, a balance of {$51.00} still remained on the account, and all the interest, accrued over 24 months, has been posted to the account. After an hour of having been transferred around, Best Buy was unable to bring up the history of payments made on this account. During the month of XX/XX/XXXX, I received several phone messages regarding my the Citi Bank credit card account ( no detail was provided ), and each time I called back, the customer service department was unable to locate an active account for me with an outstanding balance, including during the phone call on XX/XX/XXXX. Since I was never able to successfully connect my Best Buy account with this card number online, and have not used the card since the XX/XX/XXXX purchase, I was not aware that the card was with Citi Bank. I am filing a complaint to dispute the interest charges on my account. How could a payment have been missed or delayed using auto-pay? Is it possible that the XX/XX/XXXX payment may have been mistakenly directed to the wrong, inactive, account and therefore never posted on this account? I am attaching proof of the 1st 2 payments on the account. As you can see, XX/XX/XXXX payment aparently was not applied and may have been sent back to the bank, without my noticing it. Also, I would like an explanation for how 2 years ' worth of interest at 26.49 % can be charged on {$4000.00} when Citi Bank did not have an outstanding debt in this amount for the entire time. According to the Truth in Lending Act, the credit card issuer must notify me of the interest rate increase 45 days in advance of the increase, giving me the option of paying off the balance at the existing lower interest rate. This notice was not provided -- if it had been, I would have been aware of the remaining balance on my account. In conclusion, I feel, I have done everything in my power to pay off the balance by XX/XX/XXXX, but due to the confusion with accounts, not all payments posted in a timely manner, and sufficient notice was not provided for me to rectify the problem.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to be investigated have been ignored.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I received notice from XXXX that they obtained a debt they claimed was mine. I disputed it and they then had me contacted by Waltman Weinberg and Reis LPA. They sent me copies of card/installment of some kind statements they said were mine and proof that it is my debt. They did NOT give me anything with my signature, a contract or anything else showing it actually is accurate or is mine. They also told me on the phone that unless I paid they would XXXX. They did file - I went to the hearing and the rep there said to me ( not in front of the judge ) that they had the statement bills and I needed to agree to payments- if I didnt they would not drop the case and would take me to. Common pleas court if needed. I did not know any better. Then I was injured and lost work from the pandemic. I keep getting communication about paying- it says I can ask for a hardship from Waltman Weinberg and REis- I hav called and done online forms and they do not answer me
Consumer complaint received 2017-02-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I have repeatedly ask Navient to allow me to make smaller payments that fit within my budget. I make less then {$20000.00}. However, they tell me that will only accept certain payment terms as set by them. It usually works out to about $ XXXX+/month which is most of my monthly salary. They have not allowed me to file for a forbearance. They also demand automatic payment withdrawals of the payment directly from my account.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (VA)

I have been a customer of CitiCard MasterCard since XXXX. I have always paid my bill each month in full. My XXXX bill was due on XXXX XXXX, 2016. They received my payment on XXXX XXXX. When I received my statement in the mail today, I noticed that they have charged me {$23.00} interest. I immediately called them and asked them why they charged me this amount when the payment was received before the due date. The lady connected with me with a foreign gentleman. I explained the situation to him. My daughter explained the situation to him. He refused to take this amount off of my bill. How can a company charge you interest like this? Are they putting these charges on people 's accounts thinking that they will not notice it and pay it? I believe that is unethicial and not right! They need to be reported and held accountable for doing business in this matter!
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Please verify all info is true, accurate, and correct incomplete name spelling, address of record of this account. 
DEPT OF EDXXXX XXXX Balance : {$3800.00}