davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (NY)

I currently have an account with Fortiva. My card has expired as of XX/XX/XXXX. I was never initially sent a replacement card. When I went to go use the card in XXXX, I realized it was expired, and called the company to request the card/change my address. On that first call they told me they would send it. One months later I still did not receive my card so I called again. This time they told me that it takes a month to send the card because I changed my address last time. I asked if they could expedite the card seeing how it was already 2 months without my card and they agreed and said 3-5 days. Two more weeks go by still no card now we are in XXXX. I call again and this time they say they do not know why it was never sent and assured me once again my card would be expedited now 7-10 days. Still did not receive the card after that time. Then I receive a phone call my payment was past due, because now its past XX/XX/XXXX already and my payment was due that day. I did not pay the payment, because I am furious about how this is still going on, so I called again and demanded a supervisor. The supervisor did seem sincere about helping me but did not accept my request of it being sent out that day and also once again said they would expedite the card in 7-10 business days. It is now XX/XX/XXXX still no card. I messaged them today XXXX  on there app asking where is my card. The messaging rep said now since my account is past due they wont issue a card at all. I am beyond aggravated with this company. I have an exceptional payment history up to date for the past 3 years not one missed payment. I am appalled at how they are conducting business this way. In good faith I did pay what the actual minimum payment should be which is {$55.00} but since they tacked on {$100.00} dollars of fees for not paying it on the XXXX, they are claiming that has to be paid for a card to be issued that I should have already had in XXXX XXXX
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am trying to place a temporary lift of my credit freeze with Equifax. It is XXXX. I first tried their automated phone system, which takes me all the way through entering all my info and then says that it can not complete the operation and directs me to their website. For the last 48 hours, I have tried logging into their website. I can successfully log in, but the link that would allow me to manage a credit freeze leads to a page which does not load. I called one of their customer service numbers this morning and was able to connect to a person, but that person had incorrect information about my credit history ( mortgage and car lease ) and refused to grant access to my account. They redirected me to a different number which I have been calling and not getting through to for the last 4 hours.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Capio Partners, LLC (OH)

Being on XX/XX/XXXX I started to receive calls for the company referenced in this complaint.. the first call I requested over the phone that they send me validation of the debt that they alleged that I owed. The person on the other end of the line refused to give me their name and began threatening to file criminal charges on me and take everything that I owned. I again asked for them to send me validation of the debt that they alleged I owned the person yells at me and said since I refused to pay they were going to send a warrant to my home county and they would be there to arrest me. I hung up following the threats and yelling.. the next day I received a call from this same company. I asked again for them to send me validation of this debt that they alleged I owed.. these calls went on for almost to weeks. When I received a notification that 2 debts had been placed on my credit report. Without validation without written notice of this debt! According to the Fair debt collection practice act I am to receive in writing the notice of this debt before it is placed on my credit file. Also according to the Fair debt collection practice act and Ohio consumer sale practice act they are not allowed to falsely represent themselves as a law office or falsely accuse me of a crime. This debt has not been validated and has become detrimental to my credit score and has prevented me from obtaining financing! I again want the account removed! Until the company can provide me with the information that I have asked for! I still know nothing about this alleged debt! The amount where it came from nothing.. just threats to go to jail. I want this actions to stop!
Consumer complaint received 2020-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

My original complaint, XXXX, was about not getting loan information on time to make the 1st payment and GM Financial not responding to my calls. Today I finally received the information from GM  Financial, I bought the new truck on XX/XX/2020, and it shows me being a month late already. I sent the 1st payment to the dealer as instructed and my check has cleared my bank. I called GM Financial customer service as soon as I received the letter and all they will say is they don't have it and I must find out how it was sent, when it was sent. This is all  information they and the dealer, XXXX XXXX XXXX in XXXX XXXX FL have, not me. As before they have not returned a call to me concerning this problem. Also, I have heard nothing about the first complaint.
Consumer complaint received 2023-01-20
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. (NJ)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (SC)

Paragon Revenue Group reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021. I have no idea how Paragon Revenue Group received my personal medical information. I have not agreed to do any business with Paragon Revenue Group, I have not received any goods or services from Paragon Revenue Group, nor am I responsible for their debt collection purchase from their alleged client. Paragon Revenue Group have violated my H.I.P.P.A. rights and are trying to collect on an alleged debt. 
Paragon Revenue Group are acting as attorneys violating the FDCPA attempting to collect on an alleged debt without providing any proof of service or goods.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have paid my bill for my Walmart credit card on the due date on XX/XX/XXXX and was assessed a {$28.00} late fee on the same day as the payment due date. I paid my bill on the due date of XX/XX/XXXX and once again I was assessed a {$41.00} late fee. Why am I being assessed a late fee when I paid my bill on time. CapitalOne uses automated systems to automatically charge a late fee to consumers. Customers should have until XXXX XXXX  on the payment due date to make their payment and CapitalOne should not have early payment cut off times. CapitalOne is the only credit card company that utilizes early payment cut off times. CapitalOne should not employ automated systems to aggressively and automatically assess late fees on the same day as the payment due date. CapitalOne should not be so aggressive with assessing late fees. As a CFPB report on late fees concluded the late fees are not to incentivize on time payments and are used to increase the credit card company bottom line and profit. CapitalOne should explain why they have a XXXX cut off time while other credit card companies give customers until XXXX XXXX on the payment due date. CapitalOne should also have to explain why they are so aggressive in assessing late fees and assessing late fees on and as soon as the same day as the payment due date.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (IA)

I received two letters and one phone call from Simms Associates Inc. claiming that I owned money on my XXXX account. I contacted XXXX and they said I do not owe money and there arent any other accounts under my name. Simms Associates tried to get the last 4 digits of my SSN, which I didnt give them.
Consumer complaint received 2020-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (GA)

I checked my credit report today and there was a major derogatory account noted in the amount of XXXX $ to a Consumer Adjustment Co. and it says its for XXXX XXXX XXXX it says the account  was opened on XX/XX/2020, i have not had any interaction with opening any account for medical services on this date and have no idea what this is, I tried calling the number for the CONSUMER ADJUSTMENT CO, and got a voice mail ; their info is CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This hit my credit score and brought it down 60 points and is not even mine!! please help!
Consumer complaint received 2020-04-19
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)

The dispute is against the 3 credit bureaus ( XXXX, XXXX, and Transunion ) for violating the FCRA several different times. I sent disputes about this inaccurate and unverified information via certified mail to all 3 bureaus as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. According to the FCRA 623 ( 3 ) - they must notate that there has been a dispute when one has taken place ( they failed to do so several times ) and the items need to be deleted. According to FCRA 623 ( 9 ) ( b ) ( E ) - if information disputed by the consumer is inaccurate, incomplete, or can not be verified.. ( ii ) delete that item of information. According to FCRA 611 ( 6 ) ( iii ) - they must disclose the description of the procedure used to determine the accuracy of such investigation, they failed to do so several times after I requested. All of the closed accounts showing on my report have a past due amount, which is by sheer definition is inaccurate. Those same companies are also reporting negative information to my account each month in the form of late payments when these accounts are closed ( more inaccurate info ). They say the accounts are " updated and verified '' but I am not sure how because the information is not accurate. They show no type of proof they did an investigation at all. I am hoping I can depend on the CFPB to be the watchdog on the bureaus and get them to follow the law.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NJ)

I had a Citibank checking acct that was opened around late XXXX XXXX and was dormant from XXXX through XX/XX/XXXX with a balance of {$12.00}. XXXX had closed all their nearby branches and we switched institutions.I had been receiving monthly e-mail statements. At some point that stopped. In XXXX, XXXX, Citibank began charging the account a monthly maintenance fee. I did not know about this until XXXX, XXXX, when I received notice that my XXXX XXXX overdraft line of credit was delinquent. Citibank 's explanation for the charges is that I did not maintain a combined balance of {$10000.00} or more. I do not believe I have ever had that much in the account over its entire life. In XXXX I spoke with a customer service " supervisor '' named XXXX who stated that the chargeswould be reversed. Since the account was closed she stated I would receive a check or checks for the full amount plus the {$12.00} balance and I would then send a check to XXXX to cover the balance on the now-closed account. Inever received checks. 
Subsequent phone calls were either cut off mid-call or answered with a simple, " Hello? '' and then disconnected. I finally spoke to someone last month who stated XXXX would " investigate. '' I now have a mailed statement that all the charges were correct and that I must pay them. XXXX has placed negative information on my credit reports which, I believe, caused me to be denied credit at least once and has also caused a precipitous drop in my credit score. I demand Citibank reverse these charges, refund my original balance, and remove all negative statements from my credit reports. 

Thank you for any assistance you may provide in this matter
Consumer complaint received 2018-07-18
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX {$8000.00}. 
XXXX  XXXX XXXX {$6000.00} Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX {$810.00} XXXX XXXX {$2700.00} Opened XXXX, XXXX XXXX
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NM)

CFPB, I have a mortgage with Suntrust mortgage. It is XXXX  XXXX. Due to the Covid 19 pandemic, I was laid off from my job for quite some time. 

The government has assisted mortgage companies a lot in order to help everyone during this tough time during the pandemic. 
Now that the dust is settling and we are going back to paying our mortgage, they are not allowing for refinance. 
My mortgage company, Suntrust, is offering 3 options : 1.Pay it all back now- ( how would a hardship person have this money? ) and they did not mention is it is on top of the principal or if it will be subtracted, ( like it would be if I had paid the mortgage on time ). 
2.Pay it all back after the mortgage ends, ( adding a year of interest and principal on the mortgage, essentially turning it in to 31 year mortgage ).

3. add 10 years on to your mortgage, ( interest included of course ) We did not discuss option 1 and 3, but option 2 adds last years ' unpaid on to the principal after the loan terms are completed. I believe that option 1 adds it as a payment, but does not adjust the principal for payments due, like it would had made the payments. 

Here is an example if there were 10 years left on mortgage loan : Principal before pandemicXX/XX/XXXX- {$100000.00} ( 10 years left to pay ) Unpaid mortgage payments less the escrow {$1000.00} per month, or {$12000.00} total for the 12 months unpaid Mortgage payment distribution per month, of {$1000.00}, {$750.00} goes to principal and {$250.00} interest Option 2- Start paying again and add 2020 to the back end as a balloon payment- {$1200.00} Principal on XX/XX/XXXX- {$110000.00} The mortgage is no longer 10 years, it is 11 years, ( except the balloon payment is due on the date of payoff ). 
They are screwing everyone! 

They are making a profit on the COVID 19 pandemic by forcing homeowners that had hardship in to bad terms. 

THIS IS UNFAIR BUSINESS PRACTICE! 

These mortgage companies were bailed out by the government and now they turn around and XXXX the people they are supposed to be helping. 

What can be done? 

XXXX XXXX Hardship homeowner
Consumer complaint received 2018-10-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2018 I purchased a XXXX, VIN XXXX, from XXXX   XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over XXXX at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. XXXX XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately XXXX miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over 5 hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. XXXX ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.
Consumer complaint received 2017-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX the banking account took banking fee amount of the acct of $ XXXX ( bank services fee )  then charged over draft fee of {$34.00}. I noticed as well that some days take $ XXXX on XXXX then XXXX of each month when its convenient for Citi Bank to profit of the fees. They charged 3times th amount of $ XXXX fee on XX/XX/XXXX - of {$34.00} - I have been with Citibank for 7years. I have noticed the accounts recently in XX/XX/XXXXstarted having problems occurring with services -- -- I not the only individual who seem to not understand why so many stipulation on such accounts. I have 2 checking accounts and savings just recently reduced package to different package to save monies of the banking fees that did not work either -- - I have been with Citi bank for 7 years never had a over draft -- -- spoke with representative XX/XX/XXXX at XXXX ( ID # ) XXXX he did not resolve anything -- - or offer a waiver -- -- the question of these proceedings of bank fees causing a overdraft of 3times the amount does not seem reasonable and as a customer for 7 years is absolutely ridiculous -- there needs to be an investigation in their practices of accounts -- -- - and those stipulation in which Citi Bank is altering their own policies. This not the first time of misleading information -- -- or miscalculated incidences regarding fees -- -- - the policies does not add up -- --
Consumer complaint received 2022-08-10
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. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}