davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

I went to make a payment threw Home Depot 's automatic phone system, XX/XX/XXXX, it would not take the minimum amount it was telling me because it did n't pick up my voice. It then put me with a representative and she then told me my minimum payment was {$110.00} and if I did not pay that I would have another {$35.00} fee, after the automated system said it was {$60.00}. I then threw speaking with her found out that I have been making the minimum payments from what I 'm being told by the automated system and am getting charged a {$35.00} late fee since XX/XX/XXXX 2017 because  apparently it 's not the amount they expect from me. I was angry and hung up. I then waited untill Thursday XX/XX/XXXX when my payment is always due thinking maybe the system would then tell me the {$110.00} was due. As of XXXX it was still telling me the minimum payment was only {$60.00}, not the {$110.00} the representative told me. I spoke with another representive and after a half hour I was told that they would only refund me 1 late fee and my interest. They have charged me over {$200.00} in fees and they only wanted to refund me {$47.00} ... I did not receive any refunds. I hung up and said I would be reaching out to everyone and anyone to hopefully get the help because of what they have done to me and god knows who else. Also I want to add that I have never received any bills from them, never even thought about it because I receive everything threw my email. I told them this and they are supposed to be sending me all my bills. I hope I canget some help.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (CA)

Last XX/XX/XXXX, i found some wrong details on my credit report. I immedaitely wrote to the credit bureaus to correct and have these items removed or upodated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. 

I am writing to have the following items removed : XXXX : " XXXX XXXX XXXX '' Experian : " XXXX XXXX XXXX '' XXXX XXXX XXXX I know for certain that this is violation of the law as mentioned in 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

in 2006 my wife had XXXX and the final bill was XXXX dollars which insurance paid XXXX and I paid XXXX, some how a small bill for XXXX was overlooked and sent to XXXX XXXX in XXXX XXXX, SD which I paid right away and XXXX XXXX said they would recall the debt, well it never happened and 10 years later it is still showing as a paid collection account effecting my credit score and interest rates when I am applying for loans, each financial institution mentions it every time and that it effects my score by XXXX points, I have gone to long lengths with XXXX and XXXX to get this removed and they XXXX play the dumb role and say there is nothing they can do, believe me it is driving me crazy, I need this removed from Transunion XXXX, I have never miss a payment and I am proud of it, can you please help me out. I am sick of having these businesses push the consumer around and not correct a simple mistake like this.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (NV)

On XX/XX/XXXX I had received a card previously from chime and went down to load the card at XXXX I put {$440.00} on it I had activated the card previously with the phone number on the back of the card I went shopping at XXXX and went to use the card and it wouldn't work and they informed me that it might be a timeline of when the money was there so the next day when I got up I called and it said my money was there so I paid my phone bill my power bill and my water bill and I had {$180.00} in cash left and it wouldn't let me draw any money off in cash or put gas in my truck they still owed me {$180.00} and I got an email stating they were closing my account and I had to wait for 90 days to get my money back from them I didn't do anything wrong and I don't understand why I can't get gas or get my money back but they won't even talk to me about it now because the accounts closed and when I try to email them it says the email address is wrong
Consumer complaint received 2015-05-23
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC. (NV)

I took out a payday loan with a company called CashNetUSA in XXXX. There address is XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX. There telephone number is XXXX. This is an online lender. 
During the time I took the loan, I had changed employment which has now affected my income and paydates. I am paid XXXX monthly. When I realized that I would not be able to pay the high interest to extend the loan for another XXXX weeks I emailed the company explaining my situation to and asked them to change the due date that I would be able to meet. The notification went nowhere with them and they have debited my checking account twice adding insufficient fees to my account. 
They have called me and they just do n't listen. I have every in tention of paying them back but will never do business with this firm again.In my opinion these payday loans should be illegal.
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I originally made a modification in XXXX of XXXX to reduce the interest. Interest was reduced to 65 %. Then in XXXX of XXXX I called to settle because the loan is never ending and financially killing me. I paid {$3000.00} to settle and was told the remaining balance which in XX/XX/XXXX was around {$6500.00}. The remaining balance around {$3500.00} was supposed to be 0 % interest to pay off. I have statements showing 0 % and now I'm showing 66 % and a balance of {$4700.00}. They said there was an error in transfer of paperwork that they should of been charging 66 %. This was not what was agreed. I have not missed the payments. I try to pay the debt off but it is never ending. I told them I have a statement showing the 0 % and they tell me that they do not offer 0 %, but the statement clearly shows 0 %. I have attached a picture of the 0 % interest that I told them it was at and now at 66 %. They don't listen to anything I say. I've been trying for 3 days now to settle this. I would of never sent them the {$3000.00} upfront, that I struggled to get because at the time work was slow because of COVID. But I needed to do something to get out of the interest. That is why I settled the loan for 0 %. Other wise why would I go from a modification of the interest at 65 % to a 66 % interest rate? I wouldn't. Please help as I can't do this anymore with the interest and I don't want to file BK on this. So with the {$3000.00} lump sum paid and if I pay there current pay off amount of {$4700.00} that puts me well over the {$6200.00} loan that was initially what they gave me. Not including all the years of payments I had already paid at $ 400+ a month before XX/XX/XXXX. It is a killer.
Consumer complaint received 2019-05-21
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 an attempt to correct my EQUIFAX, XXXX, and XXXX  credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} XXXX XXXX XXXX with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (WA)

On XXXX XXXX, 2016 I received a collection notice from Credit Protection Association L.P. stating that I owed to XXXX a " Service Balance '' and " Equipment '' fee totaling {$280.00}. The notice further stated : " Due to my your lack of response to our previous communication, your account will be reported to the credit bureaus after XXXX/XXXX/16. '' This is the FIRST such communication I have received ; there were no " previous communications ''. Furthermore, I have been making regular automatic payments to Wave and have the documents showing that I am up to date in paying for the services and for the equipment. When I contacted XXXX to inform them of the situation I was told that they would " investigate '' the issue. I also contacted Credit Protection Ass'n L.P. and spoke to " XXXX '' who assured me that the collection activities would be put " on hold '' pending a response from XXXX. I have heard nothing from any of these parties since then. I am XXXX XXXX XXXX, in poor health, and caring for my wife who is currently recovering from a XXXX ; I do not need this aggravation. Please look inbto this for me. Thank you.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (FL)

Mountain run solutions claims I owe a debt of XXXX for an alarm I never had with vivint smart home. I never signed an agreement with that company. But I did sign an agreement with brinks which was forwarded to XXXX to assist me with this company and remove them from my credit report.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

Please refer to closed dispute XXXX. The response from Macy 's was inaccurate. The issue with payment is my MACY 'S PAYMENT ACCOUNT is still showing the wrong card number as active, I have left two messages for XXXX XXXX, Macy 's Executive office per her letter, direct phone number of XXXX The issue is Macy 's e-commerce site has wrong credit card information. Please help me with this issue. I can provide a screen shot from today, that shows the wrong, supposedly closed Macy 's card is still showing active.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (GA)

On XX/XX/2022, I consumer XXXX XXXX sent ARS a request to obtain my consumer report. ARS have not sent me a copy of my consumer report.
Consumer complaint received 2020-10-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC (NV)

I applied for mortgage in XX/XX/2020 with equity prime mortgage and have been told varying closing dates. Each time we are set to close the lender stalls and asks for more information that they could have requested a month ago. Initially, no one in the process was notifying the real estate agent of what was happening so she had to file an extension on the contract and explain to the seller what is going on. The seller has other contingencies based on the sale of the property I am trying to buy. The lack of communication between the lender and the processor and loan officer has been atrocious. The loan processor keeps telling me we are closing and then the lender goes MIA ( missing in action ). They won't respond to anyone.

Something isn't right with this company. They need to be investigated to see if they are going out of business or a fraudulent company or something. Something is shady. Why would they stall for so long and go MIA?

I am going to lose the inspection and appraisal money on this property because the seller won't wait another few months for the lender to stall. I obviously will lose the property as well. This is unacceptable. I have provided everything they have asked for promptly, usually the same day. There is no need for them to not communicate for weeks on end when the loan officer, processor and I send multiple emails on a daily basis in an attempt to keep the lines of communication open. No one from equity prime mortgage has bothered to call, email, text or snail mail me any type of communication. I am just sitting in limbo. This level of unprofessionalism will not be tolerated.
Consumer complaint received 2022-07-19
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. (MD)

In accordance with the Fair Credit Reporting act the following accounts have 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 an account

without my written instructionsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2023-04-03
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act the following accounts have 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX CARD XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (AR)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I just realized that I have two accounts in my credit report that are not mine. 

Transworld System opened in XX/XX/2021, amount {$690.00} XXXX XXXX opened on XX/XX/2021, amount {$290.00} Also, there are 2 addresses that dont belong to me : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX CARD XXXX {$5000.00} XXXX XXXX XXXX {$0.00}