davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-08
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 leased a XXXX XXXX XXXX. I had to pay my first lease payment when I leased the vehicle. XXXX XXXX is stating they are reporting all payments to all major credit bureaus. When I got my annual credit report this year, I noticed my first car payment was not reported on my TransUnion Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with XXXX XXXX XXXX, who sent me a history report that shows a first payment was made of {$320.00}. In XXXX I disputed the inaccuracies with TransUnion Credit Reporting Agency and with XXXX. I received my TransUnion Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe XXXX XXXX more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to XXXX XXXX XXXX on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. TransUnion placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc. (MI)

I have repeatedly received phone calls from this company to the point I had to change my number. During one phone call I was threatened to be sued and lose everything I own over a little debt that is NOT my debt! I have never received anything to validate this debt from this company!
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (MD)

I reached out to NAVY FEDERAL to try and resolve my account that was closed. While after trying to resolve and handle my obligation to the account I was redirected to an attorneys office who has not been very responsive after the first call and when asked about a settlement payment or resolution has denied my offers without presenting them to their client ( NAVY FEDERAL ). I wish to take care of this issue and asking to communicate directly with a Navy Federal contact that handles their credit cards. At this moment I had {$3500.00} to offer for settlement in a one time payment. I appreciate any help you can give and I look forward to your response. Thank you very much for you attention to this issue. 

Regards,
Consumer complaint received 2021-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XX/XX/2020 I became very sick from XXXX issues, and I was out of work for nearly 7-weeks. I was late for the XX/XX/2020 mortgage payment by a few days, but that was due to my inability to work. Finally I recovered to 100 % strength, and I have been on time with every payment since. I could have requested a deferment for 6-months, but instead I decided to fight my illness. I respectfully request for Citizens One Home Loans to forgive my one time late payment for my difficulty last year. I could have requested the deferment but did not, and I believe that I should be entitled this one time courtesy. 

XXXX XXXX XXXX
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since XXXX of XXXX, we've been charged either late fees or interest charges due to CapitalOne 's unfair, deceptive and abusive act towards it's clients. I will provide the specific dates and amounts below, but wanted to first share with you the issue. We are scheduling our payments through the CapitalOne app on our mobile device every month. The payment date we enter is the same date as the payment due date. CapitalOne is not processing the payment until the following business day, which is resulting in late fees and interest charges. This is beyond a UDAAP violation ... it is punitive and CFPB not only should be aware, but it should take action against CapitalOne. If this does not get resolved quickly, I will be seeking legal counsel to file suit against them. Here are the dates and amounts : XX/XX/XXXX - Late Fee : {$27.00} ; Interest Charge : {$75.00} XX/XX/XXXX - Interest Charge : {$61.00} XX/XX/XXXX - Interest Charge : {$110.00} XX/XX/XXXX - Late Fee : {$19.00} ; Interest Charge : {$140.00} XX/XX/XXXX - Interest Charge : {$100.00} XX/XX/XXXX - Late Fee : {$38.00} ; Interest Charge : {$75.00} XX/XX/XXXX - Interest Charge : {$39.00} XX/XX/XXXX - Late Fee : {$38.00} ; Interest Charge : {$87.00} XX/XX/XXXX - Interest Charge : {$37.00} XX/XX/XXXX - Late Fee : {$38.00} ; Interest Charge : {$67.00} XX/XX/XXXX - Interest Charge : {$47.00} Total Late Fees : {$160.00} ; Total Interest Charges : {$850.00} Total combined fees : {$1000.00} I spoke to two pleasant colleagues from Capital One on XX/XX/XXXX ; at approximately XXXXXXXX XXXX PST - XXXX from XXXX, DE ; and then I was transferred to supervisor XXXX from XXXX, FL at approximately XXXX XXXX PST when XXXX was unable to fully address my complaint. I asked XXXX to escalate this matter further, and she said there was nothing else she could do. 

I have attached to this complaint the online payment process, and this is what we've followed the entire time. As you will see, we've selected the due date as our payment date every month. This can all be tracked by CapitalOne, which makes it even more egregious on their part.
Consumer complaint received 2018-01-06
Product: Debt collection — Payday loan debt
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On Friday, XXXX XXXX a received a call from someone from " XXXX XXXX XXXX ''. they said that i had a claim number and a subpoena ready to be delivered to my doorstep if I didnt make a payment in regards to a a payday loan i took out from Ace Cash in XXXX XXXX TX in XXXX. 

They forced me to provide debit card information as they told me if i didnt make XXXX dollar payment i would be sued and possibly jailed.
Consumer complaint received 2024-02-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

Yes on XXXX XXXX I received a text message of my credit card Bank of America regarding If i was trying to make purchase to the amount {$110.00} saying it made be a scam. So I immediately say no then went to the app ; and then app says no purchases cant go through with the credit card. And it suggests that i call BOA so I did. I dispute the charge, they credit back the small amounts that I got charged of the same merchant but the big XXXX of {$110.00} went trough. They send me a document saying the reason it went through and supposedly that I used my credit card physically ( although impossible because the merchant is in XXXX ) and I live in XXXX XXXX. Or I sign the document of the merchant. And note that I have that card back home whenever I travel & always used it for XXXX, airlines. Or i used my XXXX XXXX but never physically outside of XXXX XXXX. 


I call again so they can reopen the case but the person who I talk to she told me it can take XXXX to XXXX billing cycles to get resolved. So how its my problem if I answer the text messages saying it was not me, I immediately call when I saw that charged saying it was not me. And they said it still went trough. 

Thats why I decided to write you since its unbelievable that the day before that happened XXXX of my other credit card was having fraudulent charged and I call immediately and they resolve my case. And then the next day this BOA happens. And they dint resolved very well or didnt do the Investigation properly.

Again thus the reason Im reaching for you guys and help. Thank you
Consumer complaint received 2019-10-29
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. (NV)

Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2017-09-26
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. (SC)

On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX was located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit can not be pulled without my authorization and that has not happened. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MN)

I have a USBank XXXX XXXX XXXX XXXX card. I have had this particular card since XXXX. I have had my USBank account since XXXX. I use this XXXX card for both personal and business expenses and I pay {$49.00}. Recently, XX/XX/XXXX, I noticed XXXX reduced my points by XXXX points. I called them ( XXXX XXXX ) and discussed that the points NEVER expire. I was told I was wrong but the lady would request they give me back the deducted missing points. I waited several weeks but nothing happened. I went to the issuing back, USBank XXXX, MN ( XXXX blocks from my home ) and asked for help. Again, at the beginning of the conversation, it looked positive. The account manager called XXXX and they offered me XXXX points. I told them it was a slap in the face ... that is only +2 % of the XXXX they took from me. The manger called back and asked to speak to a supervisor... she offer XXXX but is was in the form of some kind of gift. I told her I want the points and not a small " gift ''. 

Can you help me?
Consumer complaint received 2018-03-26
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. (MD)

XXXX is reporting incorrect, inconsistent info about my loan account. I have requested an investigation and upon completion, the information continues to be reported incorrect.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I paid my credit card off in full with Bank of America and was still charged interest after I made the payment. I spoke with their customer service department and was told because of the amount charged they could not waive it. They could not tell me what the pay off date would have been to avoid being charged any interest. They have also told me I am being charged interest on the remaining amount ( interest charged to me ).
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

I have applied for a new job. The company completed a background check. My mortgage company has reported me late XXXX for 5 months. I had requested a modification due to my husbands XXXX. It was to take only 3 months at the most. It took 6 months, as the mortgage company stated they need to start over. I made the newly scheduled payments on time or early as instructed by the documents I received. I have a payment history that shows I made my payments on time, yet the mortgage company shows them late. The mortgage company was XXXX XXXX, now called XXXX XXXX. 
In addition, XXXX XXXX is reporting to late accounts. Unfortunately I had to file BK. It was discharged XXXX/XXXX/XXXX. This should also not appear on my credit report.
Consumer complaint received 2021-08-06
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2019 Capital one bank XXXX  highest balance {$310.00} and highest balance {$310.00} i have 3 late payment on both credit breaus and the credit breaus will not remove it from my credit report .also XXXX XXXX  XX/XX/2019 XXXX  and XX/XX/2019 XXXX  will not remove the late payments off my credit report neither.I tried getting those removed with dispute letters but they still would not removing those my credit report.
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: M&T BANK CORPORATION (NY)

M & T  Bank issued auto loan to  XXXX  yr old working woman for  XXXX   XXXX   XXXX  in  XXXX  from   XXXX      XXXX   in  XXXX  NY. Would not take automatic loan payments deducted from paycheck, kept adding late fees and charges even though payments were being made with much struggling. They repossed in  XXXX  for  2  missed payments due to illness, at a cost of about  XXXX  dollars in repossession fees. Had ca r 2 yrs  and transmission went 2 times but not covered due to milage, about  XXXX  dollars total. Pleaded w/bank to lower payments but they just added costs and interest and late fees. They made a predatory loan to a person that just needed a car for work but only had a trade-in to work with. Will end up paying  XXXX  dollars for a  XXXX  dollar car all because  M & T  Bank and  XXXX   XXXX  saw a working class poor person in a vunerable situation.
Consumer complaint received 2018-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MIDCOUNTRY FINANCIAL CORP (TN)

On XX/XX/XXXX a debt was paid in the amount of {$530.00}, payment receipt # XXXX to XXXX XXXX XXXX, XXXX. A representative of XXXX XXXX advised that the updated information will be updated with bureaus within 14 days. As of this day, XX/XX/XXXX bureaus are still reporting incorrect information. I called XXXX XXXX again this date and no one was able to advised me if the information has been updated. NOTE : My checking acct shows payment withdrawn in the amount of {$530.00} on the XX/XX/XXXX. 
The use of credit is updated within hours on reports, it should also update within hours when repairing, repaying, or logging incorrect information complaints with creditors.
Consumer complaint received 2021-08-06
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. (PA)

Include personal statement : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On  XXXX   XXXX ,   XXXX  ,  Bank of America  allowed a check with my name and my  XXXX  former roommates names on it to be cashed without an endorsement from any of us.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Equifax will not unfreeze my account. Trying to buy a house but Equifax says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.      XXXX  will not unfreeze my account.trying to buy a house but  XXXX  refuses to remove the alert or freeze on my credit report in which I did n't agree to.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (GA)

BARCLAYS BANK DELAWARE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( XXXX XXXX XXXX ). BARCLAYS BANK DELAWARE is depriving my of my rights under the XXXX of law ( XXXX XXXX XXXX ). and is attempting to collect extensions of credit by extortionate means ( XXXX XXXX XXXX ). 
Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( XXXX XXXX XXXX ).
Consumer complaint received 2021-08-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (DC)

I am a service member on XXXX XXXX in the US Military. I enrolled in a university for my XXXX XXXX starting in XXXX of XXXX. I contacted Navient to put my loans on deferment or hold as I am in school. I filled out numerous forms and Navient refused to put my loans into in school deferment. Navient only put my loan in forbearance but also put late feeds to my account. After 1 who year my loans still are not in forbearance or deferment. Even with multiple phone calls Naviant is not able to help. Naviant also has reported my past due for the past 4 months when I have sent them every document. I want them to remove my negative remarks on my credit and back date and remove fees an interest since I qualified for in school deferment starting in XX/XX/2020. This violates many federal laws including service members civil relief act.
Consumer complaint received 2017-07-08
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. (IL)

Transunion dispute number XXXX. I am not allowed to view the details of my dispute. This dispute was initiated on the XX/XX/XXXX. Upon investigation on XX/XX/XXXX I saw that my dispute began XX/XX/XXXX that day has not yet passed. I have tried to access the information via internet and phone. I 'm given an error message that states my information can not be accessed at this time. When I call there is no information about anything available pertaining to my case number
Consumer complaint received 2017-07-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION (MI)

The explanation XXXX XXXX provided is contrary to how my account was handled. As stated, I called in XX/XX/XXXX 2016 asking for the TOTAL amount needed to bring the account current. That includes late fees. I was given a total and paid it accordingly. In XXXX XXXX XXXX  response they stated they apply funds to late fees first. Clearly that is not how my XX/XX/XXXX payment of {$3300.00} payment was allocated. I have tried several times to get an understanding of why my lump sum payment was not applied to late fees but it is extremely difficult to communicate with employees of XXXX XXXX. The customer service representatives are rude and very antagonistic.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (PA)

I sent a debt validation/verification letter to ACIMA on XX/XX/year> and I have not received a response. I do not believe this is my debt and I demand that they send me all of the requested information in order for me to verify that it is mine
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )