davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company XXXX XXXX XXXX, formerly XXXX refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound
Consumer complaint received 2022-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (CA)

I have called several times, they insist in sending me an XXXX to let me know how is my account. THE XXXX THAT THEY SENT WITH NO NAME OF THE BANK, NO BALANCE!! WHAT IS THIS? WHY GOODLEAP HIRE THIS COMPANY? 

GOODLEAP WASH THEIR HANDS BY SAYING THAT YOU ARE MOVING TO AN OUTSIDE VENDOR. I DID MY CONTRACT WITH LOANPAL, THEY SEND MY ACCOUNT TO GOODLEAP. 
GOODLEAP SHOULD BE ACCOUNTABLE ALSO Every time that I go to the website, they don't show the ACTUAL BALANCE OF THAT DAY LIKE ANY BANK OR CREDIT CARD WEBSITE. 
They are supposed to have an online website where it says your payments and your balance. 
They don't show the balance so you can not complain about the account. 
Even when you complain they send an XXXX done manually by someone!! 
And of course without the balance account! 
Horrible service! 
Horrible website, will not tell how many payments you made, your balance, and then they ask you to look on the monthly statements while THEY CHARGE BY DAY!! 
We are supposed to know how is our balance like any credit card, loan, bank website. 
Would it be possible to audit my account? To whom I need to reach out for an audit? 

XXXX
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

transunion is suppressing my credit card data from XXXX XXXX XXXX XXXX XXXX visa card. i had XXXX reach out over a month ago to find out what is happening. XXXX told me that transunion was suppressing the data that XXXX visa submits to them. XXXX told me they woud find out why from transunion. i asked XXXX again today if they heard anything and to try again. i dont know if anything is being resolved. i cant resolve this directly through transunion website because it is not giving me that option to dispute anything. it says click on ( new investigation ) tab but it is not showing on the website. hard to request investigation without the website allowing it, so i am going through this route. transunion should be reporting my visa card. not reporting it is harming my credit. it has 12 years of on time payment history. why are they supressing it. please do not suppress it
Consumer complaint received 2020-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (PA)

This company has yet to address the issues of XXXX XXXX located XXXX XXXX XXXX XXXX, PA XXXX. They sold me a lemon, rusted out car ( due to water damage ), that was a previous rental, with numerous accidents and they claimed I knew it was in that condition. iHAVE REQUESTED DOCUMENTION FROM XXXX XXXX AND THEY HAVE FAILED TO RESPOND. I sent my documents to XXXX XXXX XXXX  XXXX of Consumer Portfolio Services. This information was told to me from my mechanic when I took it to get inspected when I was having problems. I have yet to see reparations. I have been harassed by numerous employees at Consumer Portfolio due to this. 

My second issue is that they are alerting the credit bureaus that I had 9 late payments and that is false. I have never been more than 30 or 60 days late. In addition I had made a payment arrangement for an incident when I had XXXX. Inform the credit reports of the correct information as I wasn't late as it stated on my credit report. Lastly, My balance is wrong. I have been paying XXXX dollars a month for 35 months which totals XXXX. That is what I paid. I have all my receipts showing proof of payment totaling to that amount. Consumer Portfolio services are purposely submitting false information as retaliation to the continuing issue listed above. Which is against the Law. I will not stop writing emails or making complaints about this company until everything is correct and I get what is owed to me.
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back in XXXX 2015, Fraudulent charges showed up on a credit card I have not used in a while. I contacted Capital One to state the fraud charges have occurred. The representative took my statement after a few times of calling and it was investigated. the findings came back, was a fraud charge funds were taken off the account. At the time I called in, I closed the account to keep fraud charges from occurring. However there is a insurance on the account from when I opened it years ago and I was charged on the account which has caused late charges to occur. I had an online chat with XXXX who informed me I needed to call the insurance department, however they are only open XXXX to XXXX Monday through Friday. I work from XXXX XXXX when I leave home until XXXX XXXX at which time they are closed. I XXXX 2015 I paid {$120.00} from a renewal of the credit card and late charges. I do not used this card and have not cause it is a very high interest rate. I paid this cause no one would help at Capital One. I have attached statements starting from XXXX 2015 till XXXX 2015. Customer Service is not a priority in Capital One Company. The amount due now is {$110.00} and I would like these charges taken off the account and all accounts with Capital One closed. Also I need for a Cease and Desist on th e account. I do not want any phone calls from Capital One.
Consumer complaint received 2020-05-31
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: Experian Information Solutions Inc. (CA)

I disputed to Experian,, Account # XXXX, {$320.00}. Account # XXXX, {$470.00} .The charge off is with XXXX  XXXX XXXX  XXXX I disputed by mail I send them verification letter on XXXX XXXX and they receive it onXX/XX/2020 and by XXXX XXXX, they already had it update and verified it only took a couple days to be verified, i will like to know how they verified it so fast the accounts. but because i thought they never receive the first letter i send them a second verification letter onXX/XX/2020, and by XXXX XXXX, the already had it verified. So I send them a third verification letter and they open the dispute account on XXXX XXXX and by XX/XX/XXXX XXXX they had the account update and verified.And what their doing is not right.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I called their service number and requested to pay off XXXX balance offers. The CITI representative reviewed the account. She came back and said I had to pay {$2200.00} on XX/XX/2024. She asked for my routing number and account number for my checking account. I did and the money was paid to CITI. The representative said zi now only have my XXXX term loans. When the statement arrived the money did not go to the balance accounts as thei representative said. The money went to the Flex Loan which is a fixed loan. By this happening the balance offer will become due shortly and I would have to pay a usury interest rate. I contactedCiti on XXXX occasions and was tol they can not change the accounts the money was put into. I told them to refund my excess payment because it posted. I said the extra payment was to pay off the balance loan. This was clearly a lie on CITI Bank and either do what they represented or said back my extra payment. Please help.
Consumer complaint received 2022-08-25
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 (MI)

The Past Due Fees charged by Capital One are usurious. I have been charged this fee 2x in the last 2 months. I called to have a fee reversed and was denied. The concern I have is my balance is at {$62.00}. If I was not charged these fees I would have a {$0.00} balance. 

I believe this is a UDAAP violation because I am being charged interest on fees only and not a " true '' balance and I would not have a balance if it were not due to these outrageous fees.
Consumer complaint received 2021-04-28
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. (NY)

I am requesting an investigation for fraudulent information that was found on my credit report. I want my financial freedom back and it is my right to have EXPERIAN 's assistance. 

The items that I am writing to you about are listed below. Please be sure that the items are thoroughly looked into. 

I request that you remove the following INQUIRIES that are related to fraud, removed from my credit report : 1. XXXX  XXXXXXXX XXXX Date :XX/XX/XXXX.

2. XXXX  XXXX. Date : XX/XX/XXXX.

3. XXXX XXXX XXXX  XXXX. Date :XX/XX/XXXX.

4. XXXX XXXXXXXX  Date : XX/XX/XXXX.

5. XXXX  XXXX  XXXX XXXX. Date : XX/XX/XXXX.

6. XXXX  XXXX XXXX. Date : XX/XX/XXXX.

7. XXXX. Date :XX/XX/XXXX.

8. XXXX  XXXX  XXXX. Date :XX/XX/XXXX.

9. XXXX  XXXX XXXX. Date :XX/XX/XXXX.

10. XXXX  XXXX  XXXX. Date : XX/XX/XXXX.

I am just asking for a fair solution. all the mentioned inquiries are related to fraud.

I request EXPERIAN to remove them from my credit report.

Thank you.
Consumer complaint received 2020-05-31
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: CL Holdings LLC (AL)

This company has falsely reported this on my credit file for a year-and-a-half to two years now and I never had such account with this place claimin I owe a debt please ask for any signed documents that where signed or veribly agreed by me any form or fashion and I will pay this debt in full please verify my signature to this false debt that I never had any knowledge of or utilized any benefits or service from the company that claims I owe this debt thank u for any assistance with this matter
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I would like to submit a complaint for Capital One Bank for their deceptive advertisement of interest rates for their savings account and request that I am returned back interest payments at the rates they disclosed. 

I was a customer of their Savings account product since 2017. When interest rates rose significantly they changed their product by slightly changing the name of the account type from " XXXX savings '' to " XXXX performance savings '' offering no other incentives than the rate change and did not inform their current customers to avoid having to pay a higher interest rate to their existing customers. They were deceptive because they only advertise having one savings account plan with the higher interest rate and removed the other plan from their website, advertising and all disclosures. The new name appears to be a shortened abbreviation of the first name on the account, intentionally crafted to deceive their current customers. 

When I raised the issue to them, they created a case and admitted to the account change and not informing me, but stated they were unable to return back interest owned to their clients. They said it was the customers responsibility to identify it on their own and move to the new account. 

I believe myself and their other customers that were impacted by their unfair and deceptive practices are owed back interest payments based on their advertised rates.
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion XXXX, XX/XX/XXXX. Factual data, XX/XX/XXXX. Factual XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. Factual XXXX XX/XX/XXXX. These were through TransUnion that i have disputed and they will not remove.
Consumer complaint received 2020-05-31
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. (NV)

I received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. XXXX  and Transunion updated my personal information based on the proof I sent. However, XXXX  didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IL)

As of today, XX/XX/2024, my credit report shows my balance as {$30000.00}. 

The correct balance is {$29000.00}. 

The incorrect reporting is causing my credit to be lowered significantly. 

The Fair Credit Reporting Act states in 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Update my balance.
Consumer complaint received 2022-07-18
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

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
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (WI)

Someone applied twice for a credit card. Once in XXXX and once in XXXX. I was notified by XXXX XXXX  and provided a phone number. When I called the company they asked for my s.s. number and told me nothing in return. The company said they would call me and I didn't give them a phone number. They didn't give me any info told me to wait.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MO)

XX/XX/XXXX my XXXXXXXX XXXX XXXX caught on XXXX  because my XXXX XXXX  while going to get my XXXX fixed. I bought the XXXX at XXXX XXXX in XXXX of XXXX and got approved through Credit Acceptance and put {$2000.00} down and they provided me with gap  insurance. In XXXX, I reached out to my car insurance XXXX  to let them know I have a claim and my car was totaled out by XXXX. From my understanding my car loan was {$10000.00} left after I purchased the car at XXXX with Credit Acceptance. I paid my car not every month on time {$310.00} on the XXXX of every month. Come XXXX my insurance ( XXXX  ) totaled out my car for what my car was worth book value at {$6000.00} and I had a {$1000.00} deductible, and because I had Gap insurance through Credit Acceptance from my understanding from the car sales personal and Credit Acceptance Gap would cover the remainder of the balance in the event if something happened to my vehicle. Credit Acceptance only paid {$2000.00} towards my gap and left me a balance of {$2900.00}. When I asked for copies of my gap insurance they denied me each time, I kept getting the same representative, I guess luck of the draw or she was the one over my account in general. I kept paying every 2 weeks to try to get the payment down since I still owed on the vehicle but I continued to collect interest on the account so the balance went up every month. The gap did not cover my XXXX  like it was stated to me, now the car is on my credit Credit Acceptance did nothing to help or rectify the balance or I don't understand why they offered Gap  insurance if they were not going to cover the cost of the vehicle. My loan is still collecting interest until this day. I am not able to finance another vehicle at this point and it has decreased my credit score significantly.
Consumer complaint received 2022-07-18
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. (CA)

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXXXXXX 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 XXXXXXXX Your company is in clear violation of the law under [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these late payment accounts on my credit report.

Furthermore, The FAIR CREDIT REPORTING ACT [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 624, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, THIS AGENCY IS IN VIOLATION OF 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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 2020-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pluese, Becker & Saltzman, LLC (NJ)

We just recently found out that apparently the debt collector Plaintiff attorney law firm has been switched on XX/XX/XXXX and yet we received no notification from the Servicer,  the old law firm or the new law firm. 
The old law firm Pluese, Becker, Saltzman continued to correspond with us by phone and email thru XX/XX/XXXX even though they were no longer the law firm on the foreclosure complaint. They continued to give us false, incorrect and contradictory information. We only found out about this change when the Servicer XXXX Servicer charged our account over {$2000.00} for fees for the new law firm, who has done nothing on the case, that we are aware, of that our account wasnt already charged for the previous law firm. When we questioned XXXX, they had no answer of what the breakdown of fees was for and directed us to call the new law firm XXXX, XXXX XXXX XXXX. When our phone message was returned by law firm, they also had no idea what the fees were for, but had full knowledge of all the previous chain of events of the foreclosure complaint, which the law firm smugly and condescending tone talked down to us and went as far as to say to my that I am one of those guys and he knows my type. 
Im furious at the way I was treated by this law firm, as its my very first contact with them and ever and I was directed by the Servicer XXXX to contact them to get my questions answered regarding the $ 2000+ fees, which at this time present time today still has not been answered. 
Our complaint is against 1. the Servicer XXXX for the fees added to the account with no explanation and incorrect Reinstatement balance. 
2. Old law firm Firm Pluese Becker & Saltzman for continuing to contact us and give us incorrect information, when to best of our knowledge and according to new law firm was no longer the law firm on the foreclosure complaint case as of XX/XX/XXXX. 
3. New law firm XXXX, XXXX XXXX XXXX for their unprofessional, smug and condescending attitude while speaking with me for the very first time and not answering our questions regarding their law firms fees charged by the Servicer. Which as of today we still have not had answered by the law firm as they said would happen on our phone call.