davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I obtained an auto loan from XXXX XXXX XXXX back in XX/XX/XXXX until XX/XX/XXXX. Unfortunately, the loan was cut short due to someone stealing the vehicle. After several months of calls to XXXX XXXX XXXX I was finally able to get a resolution of paying a balance. The balance was paid in full around XX/XX/XXXX. 

XXXX XXXX XXXX reported this as a charge off on my credit report. That has negatively effected my credit score and it has decreased by 50 points due to this inaccurate information that has been reported by them. 

I need the charge off removed from all credit reporting agencies because this should be an exception to the rule. Not only was a crime conducted against me. The XXXX XXXX XXXX company was very rude and expressed zero empathy towards the situation. I expressed the issues to several customer service individuals and they did not seem to care about my situation. So here we are.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

XXXX/XXXX/XXXX I was contacted by XXXX XXXX of Procollect for an oustanding debt of {XXXX}. I asked what the payment arrangements were because I am not able to afford to pay this off all at once. He told me I could do 6 months which works out to {XXXX} per month. I told him that I could not afford that and were there any other options and he stated no and that he was going to mark my account as refusal to pay. I asked to speak to a supervisor and he refused. 

I asked him to send me something in the mail to validate the debt. I honestly have not received any letters from this company. He said he needed to look up my account again, said something about late rent, asked if I had a pen and paper so I could write it down and then he refused to validate the debt, saying that your company has already sent me something.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (VA)

Back in XX/XX/XXXX I was advised that I could refinance my loan and that the past due payments will be reflected as current. I received a new loan in which the 1st payment was due in XXXX and the account has been paid on time. 

In XX/XX/XXXX, I received a letter confirming that if I refinance my loan, past due payments will be updated to current. However, the account is closed and past due payments have not been updated to current on the old loan as I was advised. 

The letter is conflicting and misleading because I was told by a representative that it did not mean that the past due payments will be updated, it was stated that the the loan would report current when the new loan was established. But the letter does not state that. The letter states Past Due Payments will reflect current. I have disputed the past due reporting before and was told that the past due payment history will not be updated. Im in the process of purchasing a home and the negative information is hurting my credit score.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

I used the {$370.00} " Cash Rewards '' balance on my XXXX XXXX XXXX XXXX to pay my {$350.00} outstanding month-end balance. However, Citi requires you to also pay your " minimum payment due '' amount or your account is considered " past due ''. So, in my case, if I had not used the credit card during the month, I would have had a {$15.00} credit balance ( {$350.00} amount due less the {$270.00} credit )! Citi describes the reward as " cash '' and even includes the word " cash '' in the credit card 's name. Yet it does not qualify as " cash '' when you use it to pay off your balance! This is wrong and needs to change.
Consumer complaint received 2016-04-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (WA)

I took a payday loan of {$500.00} on XXXX/XXXX/XXXX in that area from Castle Payday Loans. Which has gone from Caste to XXXX to Red Rock Loans. I was told that my repay amount would be approximately {$570.00}, and agreed to that. I was not told of the 505.944 % APR, and the total payoff of {$3100.00}. I also could not see the Truth in Lending disclosure until after the loan had been processed and funds delivered to my account. I have no problem paying the agreed to loan of {$570.00}. I have made two payments already of {$250.00} each on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 

Please help. I will be telling my bank to not allow any other payments to be transferred until this is resolved or charged off. 

Thank you
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2021-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (NY)

I have been attempting since XX/XX/2020 to receive any type on proof of ownership a collection in writing from a collection that just popped up on my credit report that i have no knowledge of. My identify has been compromised on a few occasions in the past and it is vitally important for me to receive proof that i am responsible for this debt. I have repeatedly disputed this debt with transunion to no avail of receiving any type of correspondence.
Consumer complaint received 2017-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (WY)

My laws have accrued a large amount of interest. I asked about consolidating my loans and the loan servicer said consolidation would make me ineligible for PSLF. I have since found out that this is not necessarily true. I dont believe that XXXX XXXX XXXX is providing honest information about how to handle my loan.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

By all accounts on all three Credit Reporting companies, my 11 year history has been steady, with an EXCELLENT record of paying on time and reducing credit used as percentage of credit available. Reports were consistently improving and above XXXX " Very Good '' until .... I applied for a competitive mortgage from several lenders. My score and my wife dropped 20 points from Very Good to Good. Therefore reducing my ability to get the best interest rate available. 
These agencies are supposed to report based on credit payment and history, NOT PROJECTION future hypothesis that their algos come up with. I am incensed that they are allowed to hurt my ( and many others ) ability to access credit markets. 
They do not know my Income or Net Worth ( which is substantial ). 
THEY MUST BE REGULATED AND PUT ON NOTICE. HELP FIX THIS!!!! 

I have brought this to the attention of my Congresswoman, and both Senators.
Consumer complaint received 2020-06-23
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 168 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, 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 2022-02-23
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. (MD)

I sent all three consumer reporting agencies a letter asking to investigate certain accounts on my consumer report. I received the results from the investigation from Experian and XXXX, and they failed to provide me with the contact information of the individuals they spoke with to get this information. Also, the accounts I highlighted can not be verified as I have no contract with these companies. Three companies in particular, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX all have acquired my personal and private identification information without my consent. Not only did they take my information, they CREATED ACCOUNTS with my information just to harass me with claims of owing an alleged debt. That is IDENTITY THEFT. 

Pursuant to the FCRA, any consumer reporting agency may furnish a consumer report in accordance WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. I NEVER, EVER gave ANYONE consent to take my information and do whatever with it, just for their benefit. So how and where are these people getting my information from if I never gave it to them in the first place?? The FCRA also states that consumer reporting agencies shall disclose to the consumer the identity of the person they spoke with. That includes the name, phone number, and address. However, that information was not disclosed to me, instead they have it as " Verified '' on my consumer report, with no evidence behind it. 

Why do I have to verify my identity when it comes to MY information, that I NEVER even gave ANYONE consent to have in the first place?? You can't even identify someone over the phone or mail! But for some reason, there is no verification when it comes to them putting false information on MY consumer report, when in fact the LAW says it shall be. I'm tired of the fraudulent and deceptive practices. It's harassment and abuse, and needs to cease immediately. 

I am giving the consumer reporting agencies MY CONSENT to reinvestigate this matter.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Starting on XX/XX/24 I deposited two checks from my husband, there was an issue with the checks so Huntington bank without even contacting me or anything froze my account. I have been receiving multiple wires as well as my tax refund to this account and Huntington bank is now refusing to give me any information on my account closure and Huntington bank is keeping my account open and just collecting my funds all while not giving me any access to my money or information. Its been two weeks now since I was told my account was being closed and Huntington still has the account open taking my funds and returning funds that I had coming into the account.
Consumer complaint received 2024-03-21
Product: Credit 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: DISCOVER BANK (OH)

When charges first noticed XXXX statement immediately contacted company to report it was not I that made transaction the emails that were provided were not my emails there were XXXX different emails and the product was mailed to location in Texas. I do not live in Texas nor have lived in Texas There multiple transactions for same company and we never authorized
Consumer complaint received 2021-07-05
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Consumer complaint received 2021-07-05
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: Experian Information Solutions Inc. (GA)

1XXXX  XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

In XX/XX/XXXX, I noticed a {$2.00} monthly " minimum charge '' on my XXXX XXXX Credit Card. I initially thought this was a mistake as I had paid my balance in full XX/XX/XXXX. Come XX/XX/XXXX, I saw the fee racking up each month and called them. They said they experimented with a new fee structure in the summer that charged interest over time ( even when the current balance was XXXX ) instead of charging them per month based on balance owed, like most credit cards do. They said this quickly became unpopular with customers, so they assured me they would adjust the balance to XXXX and that I need not worry. My statement for XX/XX/XXXX still showed a balance, so I called again. They adjusted the balance and again assured me this was taken care of. I saw my statement and it did reflect the fee adjustments, but they charged the entire balance anew, essentially voiding the prior adjustments.
Consumer complaint received 2023-02-07
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. (SC)

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT ARE REPORTING TO MY EQUIFAX CREDIT REPORT AS FRAUDULENT. IT IS IN THE ATTACHMENT CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Supreme Lending (CO)

Our family prequalified through supreme lending for a mortgage XXXX. They told us our loan looks good, told us how they could do a quick close. That sounded great to us, we could be in a new house shortly after the school year started. We turned in all our documents was told everything looked good then approximately 3 weeks had gone by time to enroll our son in school. We called the mortgage company confirming our loan. We were told our loan looked good but they could n't find an appraiser for 2 weeks minimum. We had to postpone closing, told us if we could find an appraiser to get it done we could close on time. We did, all the sudden their appraiser could do it but had to postpone closing a week. That 's when the problems started. They had lost or never received many of the documents we gave them. This is the first time we were notified of the problem. Because of the " your loan looks good, no problem " we enrolled our son in school. A week before closing the loan still had not been to underwriting. Still missing documents that were resent 2 and 3 times. They had a page here or a page there, but missing page # s ... Sent them again, " they must be going to spam '' is what we were told. I reopened all documents verified info. And told them I 'll be there tomorrow after work. I sat in supreme lending conference room for over an hour waiting for them to receive a fax from our bank that was sent before I arrived. Was lied to about being able to close on time, told they do n't have a spam file in their email. I have all these email conversations saved between me and the assistant loan officer. Come to find out from the branch manager, " there 's no way to close in 3 days, there is a 3 day wailing period after loan is accepted. We had n't even made it to underwriting yet. I came unglued, my documents had been lost multiple times, lied to about closing on time but late according to original contract because of shady appraisal deal. My son is in a school XXXX miles away from home because '' your loan looks great, solid '' I think is what we were told. The deadline to loose our earnest money was 2 days away, I told them I need an answer before I loose more money in this shady situation. I looked at reviews on line and by chance one of my employees was having same issues with his loan. We got to talking, same company '' SUPREME LENDING '' our loan was denied the next day. Now we 're in underwriting at another company with a real pre approval. I believe supreme is misleading, mishandles documents, and not honest or up front about their appraisals. I have requested them to return my documents they did n't loose and destroy all vital info we have them. No response to this point. STAY AWAY FROM THIS COMPANY " SUPREME LENDING '' very shady. I 'll be happy to share all our email conversation, check out the customer reviews, you 'll fine this to be a common practice for that company. Not to mention everytime we communicated our interest rate went up.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I have a complaint about the American Express XXXX Credit Card. I received the card on XX/XX/2024, and was charged a fee of {$550.00} on XX/XX/XXXX. I applied for the card to take advantage of the free night stay at a XXXX property that comes with the card. However, the benefit arrived on XX/XX/2024. When I tried to use the free night award at the property where I wanted to stay, it was no longer available when the award arrived in my account. This was despite the available property when I applied for the credit card. 

Given that I could not use the free night award anymore, I requested American Express to cancel it and refund me the {$550.00} fee on XX/XX/XXXX. However, they informed me I was past the 30-day window to cancel the card ( XX/XX/XXXX ). They gave me two options : to either downgrade the card to their free option with a pro-rated credit for the {$550.00} or be stuck with the total {$550.00} amount. This is unfair and deceptive, as the benefit for the card arrived after the 30-day window to request a refund.