davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

After looking through my bill I realized that I am being charged finance charges on my credit card bill twice at the end of the month. After finally reaching Comenity Bank and asked why I was being charged dual finance charges at month 's end billing. I was told because they took over the XXXX XXXX  from XXXX  XXXX in XXXX ( which business takeovers happen daily ) and I had a {$200.00} balance with XXXX  XXXX. I was paying a finance charge on the {$200.00} purchases I had with XXXX  XXXX and the new purchases I made with the card since Comenity Bank took over was a separate finance charge. I attempted reaching out to management via email and voice call without any correspondence. The bank is receiving multiple negative reviews with practices that doesn't make since to consumers. I have never been late on the account and since they have taken over this account from XXXX XXXX, there has been nothing but issues including online payment system going down for months and not having access to your account. Totally stressful!
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

They reported a negative and erroneous error on my credit report. They do not have any document having my written signature or a contract that obligates me to pay them. I have no relationship with them, I owe them nothing and they continue to say that they are validating a debt which I owe them nothing. I sent them a certified letter asking for written proof and they have failed to do that. Sending me an electronic type statement is not " validation of a debt ''. I informed them that if they do not delete this from my credit report I will look to take legal action against them
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-04-01
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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XXXX of 2021 I was receiving unemployment from Massachusetts and it was being loaded onto a Bank of America bank card. There were 3 to 4 weeks that my account was hacked due to them not providing the extra security of a chip. I have just spent 2 hours trying to convey to them that I was one of many people that this happened to, as I was told by the fraud department for Massachusetts Umeployment. The woman I spoke to was a lead investigator on my particular case. They transferred me 3 separate times and each time it got more insulting as if I were the criminal. I should also be compensated according to the judgment against them for freezing my account and not fixing a problem on their end. The put a cheap filter in place instead of the software they were required to use to fix this problem. I did eventually get that {$3000.00} but {$0.00} compensation as it states Im entitled too. The cards they provided were easily hacked and transferred to a checking account # that is associated with scams and cons that are used mostly on the elderly as stated by the MA.PUI FRAUD DEPARTMENT. I have now suffered from because {$3000.00} may not be much to most people but to me it is now a matter of a snowball effect leading to potential homelessness. Thank you for your time. XXXX XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/XXXX I made an agreement with the company Wells Fargo to pay a settlement amount of money to have the account closed and to stop reporting on my credit report. As of XX/XX/XXXX I received notification that the company is now reporting my account to XXXX as a charge off account and that there have been on time payments made to this account since XX/XX/XXXX. This is inaccurate as the account is closed as paid for the settled amount. The amount I paid for the closing of this account was {$800.00}. This has flagged my report made my credit score decrease on XXXX.
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (KS)

I had an automobile loan financed with Ally and refinanced it in XX/XX/2022. The company I refinanced with sent a check to Ally for the payoff amount. Since the company had inquired about the payoff amount, I had made a payment which was due. The date the loan through Ally was paid in full was XX/XX/2022. I also cancelled my vehicle service contract and a prorated refund was also sent to Ally. Ally was also supposed to refund me a prorated amount for the GAP insurance. I was initially told that Ally typically issues refunds within 30 days of the payment in full date but that with current delays it could take up to 55 days. I've reached to Ally multiple times about my refund and was told that it was still being processed. It has been more that 55 days and I have still yet to receive anything. I am now being told that the GAP Insurance refund can take 130 days to receive. Ally has had this money for over a month and I just want the money that is supposed to be refunded to me and I believe the delay in refunding the money to me is unreasonable.
Consumer complaint received 2022-08-04
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. (MS)

I checked my credit report and found that 3 companies were violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 and USC 1681 section 604 A section 2. I have the right to privacy. A consumer reporting agency can not furnish an account without my written instructions. I sent out a complaint the was received XX/XX/22. These accounts remain on my report, violating my rights.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

Three credit card inquiries/applications were filed, that I did not apply for. : JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2020-06-03
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. (SC)

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXXT ) XXXX Hard Inquires FCTUALDATA - XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX   XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/2020 XXXX XXXX  XXXX Miscellaneous XX/XX/2020 TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I was scammed by loan companies in order to refinance federal loans i was receiving grants for they took loans and sold off to different companies without authorization i believe my loans are from uncredited schools and are not rightfully mine I would like them removed from account they are affecting my life with an unreasonable amount I'm not able to pay and don't believe are mine. Lots of scams attack XXXX  XXXX and we will never get out of debt.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

An amount of {$270.00} is on hold from a mobile deposit made on XX/XX/XXXX in the amount of {$500.00}, which is a printed check from a company, XXXX XXXX, check issued from XXXX  XXXX XXXX. I called twice today to request hold removed, funds made available sooner than date of XX/XX/XXXX, estimated date of availability. The first rep spoken with stated they were unable to collect funds from issuing bank, which is bogus ... I confirmed with XXXX XXXX, the payer, the funds are available. It appears Wells Fargo is delaying availability of funds in order to obtain overdraft fees for items which may be presented before funds available. I have provided this information to attorneys investigating institutions, including Wells Fargo, for their charging of overdraft fees as well as NSF fees. Further, I was charged a monthly maintenance fee recently which is also bogus, it appears Wells Fargo does not offer any account which does not charge a maintenance fee. I requested this fee waived, was denied, citing a prior waiver of an overdraft fee which is unrelated.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX services and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted Experian on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including Experian, XXXX, & XXXX which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

I am requesting for XXXX to delete these fraudulent accounts immediately from my credit report. I am victim of identity theft and I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my FTC report to this correspondence.
Consumer complaint received 2020-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient has begun ignoring the payment instructions I sent them yet again. The instructions were dated XX/XX/XXXX and were received by Navient on XX/XX/XXXX. This is the SAME PROBLEM I reported in my previous two CFPB complaints about Navient. Navient has repeatedly told me and the CFPB that they WOULD follow my instructions, but continually fail to do so. 

As one recent example, my payment of {$210.00} applied to my loans by Navient on XX/XX/XXXX was allocated as follows : {$19.00} to Loan XXXX, {$100.00} to Loan XXXX and {$91.00} to Loan XXXX. The amount due on these loans were : {$19.00} for Loan XXXX, {$20.00} for Loan XXXX and {$18.00} for Loan XXXX ( total : {$58.00} ). According to my payment instructions, Navient should have applied my payment as follows : {$19.00} to Loan XXXX, {$20.00} to Loan XXXX and {$170.00} to Loan XXXX. All of the {$150.00} extra principal from my payment should have been applied to Loan XXXX, the loan with the HIGHEST interest rate and LOWEST balance. 

I have attached Navient 's loan information sheet as of XX/XX/XXXX that shows their miss-application of funds ( {$100.00} to Loan XXXX and {$91.00} to Loan XXXX ) for this example. 

I've included the relevant payment instructions below that were also included in my previous CFPB complaints against Navient : -- -- -- I am writing to provide you with updated instructions on how to apply payments when I send an amount greater than the minimum amount due each month. Please apply my payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal balance of the loan that is accruing interest at the highest interest rate. 2. If there are multiple loans with the same highest interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 3. If any additional amount paid above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal balance of the loan with the next highest interest rate and lowest outstanding balance. 4. Do not put any loans into paid ahead status or advance my payment due date. Retain these instructions. Please apply these instructions to all future overpayments. -- -- -- As I stated I would do in my last CFPB complaint, I am now requesting that Navient pay me monetary compensation for the wasted time I have had to spend dealing with Navient 's refusal to follow my instructions. I'm requesting that Navient compensate me for 5 hours of time at $ XXXX/hr ( {$120.00} total ) for my time spent documenting and submitting these 3 CFPB complaints. This doesn't even include the time I spent trying to resolve this directly with Navient before moving on to the CFPB. This is a ridiculous waste of my time and I demand to be compensated. Navient can apply the money to the Principal balance of the loan with the HIGHEST interest rate and LOWEST balance.
Consumer complaint received 2020-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

My name is XXXX XXXX! My complaint is in regards to a collections account on my credit from AMERICOLLECT. The collection is in the amount of {$640.00} and claims to be from a medical bill. The collection was opened XX/XX/2016. I have attempted to dispute this collection and request information from the Collection agency as I have no knowledge of this claim. I have had XXXX insurance most of my life and all of my medical expenses are covered. When I attempted to request Information and proof of validity the collection agency refused to give me any information other than the amount thats owed. I have no recollection of owing a medical bill and do not believe this claim to be accurate. Please help!
Consumer complaint received 2020-04-01
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has false advertisement going on at their location. They have consistently invited me to come down to see if I qualify for a vehicle, and advertising that they are able to work with any circumstances. This is not the truth they are practicing false advertisement. The person that the company has making these false advertisement phone calls goes by the name XXXX XXXX. The manager is XXXX who is completely aware of these false advertisement phone calls. I came to the dealership and began to feel pressured to let them run my credit. After finally agreeing for them to run my credit one time under XXXX XXXX   they took the initiative to run my credit three or four times without my consent. I have worked extremely hard to get my credit in good standing. I would not like to play around with my credit to try somethings just to see. Either I meet the qualifications or I don't. I was approved for a {$28000.00} Loan and still did not leave with a brand new car. I spent almost 5 hours at the dealership for nothing. Time I could of spent working instead of being lied to. This company needs to stop false advertising to get people to come into their branch just to play around with people 's credit information. The issue came about when they advertised that they would give a very high percentage over the XXXX XXXX XXXX value. Had they honored their advertisement then I could of had a new car once they took my trade-in, processed the loan, and type the contract. However, they did not honor their advertisement so I just walked out like I came in. Actually it was a couple of more people there and no one drove off in a new car, because they are false advertising to get customers to screen.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am unable to lift the security freeze, as required to obtain a new loan. After logging in, when I attempt to access the freeze, I get the following error message : " Status not found. We're having trouble loading your information. Please try again later. '' I've been sending them daily messages since XXXX. The customer service representative that responded to my email provided generic information on lifting freezes. They did not comprehend that there is a glitch that needs to be addressed. I'm unable to reach a real person via phone.
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Santander Consumer USA Holdings Inc. (NY)

I have tried to resolve this matter with Chrysler Capital directly on multiple occasions and have gotten a run around. Account # XXXX I called to extend my lease and put the account on autopay, I noticed no payment was withdrawn so I made the payments. I then see a late has come on XX/XX/2022. Yet I also received two refunds from Chrysler Capital so I am unsure how this was ever late or what issue is. I also requested payment history and retail installment sales contract which they just sent a letter back informing me that they can't help me either they don't have enough information to help me or they addressed this issue which they didn't.