davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (PA)

On XX/XX/2022 around XXXX I received an email saying my savings account was frozen. I called them almost immediately and resolved this issue. A few hours later, approximately XXXX, I received another email this time saying my savings account was suspended. I reached out again to banking representatives and they said they can not help me with the matter let alone tell me why. They gave me a different number for the fraud department but the issue is the wait time is 3 hours, and once you sit on the phone for 3 hours it automatically drops. Im disappointed that not only can I not get ahold of the fraud department, but I can not access my account and my funds are being held because they are frozen.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

While reviewing my credit card statement, I noticed there was ( 2 ) different interest for credit.

( 1 ) One was interest for charges to my account for purchases and ( 2 ) Another was interest charges for cash advance After reading the policy of my credit card agreement, I come to realize that USAA Savings Bank, USAA Federal savings Bank, the servicer of my USAA credit card, I believe based on my understanding of the agreement is " vague '' and does not explain the double interest charge on my credit card. I called customer representative ( 2 ) times to explain the 2 different interest charges ; one of the reps said I can pay the cash advance amount owed as long as I specify the amount and what it is for. In another call, I explained that I wanted to do just that and was told that I had to pay the entire credit amount for this extra interest rate charge to go away. This is for ( 1 ) one credit card. 
For instance : If I have a total credit limit on my card for {$500.00}. I use {$200.00} of my credit and get a cash advance for {$100.00}, I am being charged the same interest rate on both transactions, example : {$200.00} + 2 % interest and {$100.00} + 2 % interest, when asked if I could just pay off the cash advance amount of {$200.00} which will still be payback on credit owed, I was denied with them telling me in order to get rid of cash advance interest, I have to pay off the total amount owed to my credit used which is {$300.00}. 
This is just an example of how the credit card issuer is practicing unfairly.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I had a balance of {$430.00} on my XXXX XXXX XXXX Credit Card which was paid in full on XX/XX/XXXX. Figuring this was paid in full and I intended no additional uese of the card I paid no further attention to the account. on XX/XX/XXXX I realized I had a balance of {$110.00} due to " late fees ''. This company states they received my payment on XX/XX/XXXX and charged me a late fee as my bill was due on XX/XX/XXXX. I notified the company I had absolutely no intention of paying these late fees as I made my payment to close the account and was unsuspecting of these additional charges. They agreed to waive one fee only but not the others. I told them that regardless, I am not paying any of the fees as I paid my account in full prior to the due date. This is hitting my credit report, I want it removed as negative from my report, the account closed and absolutely no responsibility for these ridiculous charges! They now have me at {$200.00} due! This is nearly half as much as paying my actual account in full.
Consumer complaint received 2021-12-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing meXX/XX/XXXXand stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-12-19
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (NY)

It has come to my attention, after receiving a notice of wage garnishment from the U.S. Department of Education, that GC Services has made a significant error while managing my student loan account. Although I completed GC Services loan rehabilitation program in XX/XX/XXXX, the system never sent my account to a non-defaulted servicer. I have the original letter from CG Services dated XX/XX/XXXX confirming completion of the rehabilitation program I enrolled in the month of XX/XX/XXXX. GC Services, in error, returned my account as delinquint to the Department of Education, who in turn submitted the account to collections through XXXX XXXX XXXX. Since receiving the completion letter from GC Services dated XX/XX/XXXX, I have not received any notifications or letters from them regarding my account or its status and assumed they were still taking automatic payment on my loans, which they were not. 
This error has occurred secondary to prior negligence on GC Services behalf in processing multiple automatic payments incorrectly in XX/XX/XXXX. Automatic payments were set up on the account and began on XX/XX/XXXX in the agreed upon amount of {$56.00} dollars. Per GC Services, a typo was made when they entered my payment into their system, which led to only a {$5.00} payment being drafted from my bank account. I spoke to them multiple times to resolve this issue as soon as I became aware of it. GC Services acknowledged the error on their behalf and assured me it would be remedied and that it would not lengthen the 9 month period that our agreement had stipulated for rehabilitation. I also reported the circumstances and GC Services negligence to the U.S. Department of Education. On XX/XX/XXXX, GC Services sent the U.S. Department of Education an apology that acknowledged an error on their behalf in processing my payments. 
I spoke to the U.S. Department of Education on XX/XX/XXXX regarding the status of my loans and the negligence of GC Services. They confirmed that although my account was sent back to them by GC services for delinquency in XX/XX/XXXX that the Department of Education would not have notified me of the default at that time because they originally notified me back in XX/XX/XXXX when it initially went into default. I was advised that my only option at this point, as GC Services is no longer the collecting agency, is to request a hearing with the U.S. Department of Education and forward them all of the documentation I have saved from GC Services. While I was unaware that GC Services had falsely reported me as delinquent to the Department of Education, my credit has been impacted negatively and I am accruing delinquent charges and extra interest on my loans.
Consumer complaint received 2021-12-10
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. (GA)

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed this account due to serious errors in reporting
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRST NATIONAL BANK OF OMAHA (NC)

I went to refinance my vehicle when I got my credit report, there were charge offs and credit cards on my report ive never had, plus a lot of hard inquiries. I called all creditors and they said i needed a police report. I filed report but XXXX XXXX  wants me to get put on report that no payments were made because they said some payments were made but officer said no way to prove I made no payments.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

this is my 2nd CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to XXXX, Experian and XXXX  and they still have not been updated or removed. 

XXXX  is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from Experian, XXXX and XXXX
Consumer complaint received 2021-12-10
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. (TN)

Account Name : XXXX Account Number : XXXX Balance : {$4900.00} This is a formal complaint against XXXX, XXXX, and TransUnion located in XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX  XXXX PA XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. 

I am not questioning whether I owe this debt or not, I am challenging the consistencies of the reporting of this account to the credit bureaus. I am aware that under FCRA, the credit reporting agencies must report any account 100 % accurate and complete. I checked my credit report again today and I do not see any changes or corrections at all that the credit bureaus are supposed to be doing in order ensure the maximum compliance and accuracy of what they are reporting. 

For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this for several months now, XXXX, XXXX, and TransUnion have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report.
Consumer complaint received 2020-11-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Avid Acceptance, LLC (CO)

complain about AVID ACCEPTENCE. ON XX/XX/XXXX i had agreement with them. as long i pay them my monthly payments. they not going to come after me for late fee. I record as voicemail from their lawyer with this agreement. his name XXXX XXXX. plus i have proof from my lawyer. And i was paying since XX/XX/XXXX or XXXX a month. but on XX/XX/XXXX i receive phone call from avid telling me that i owe to them XXXX dollars as the late fee from XX/XX/XXXX to XX/XX/XXXX when i couldn't pay because i was battle with XXXX ( XXXX and hospital XXXX, XXXX XXXX thru XXXX ) plus covit. was on medical leave plus XXXX. thats why i had that agreement with there lawyer. but the represenative dont care hi said i need to pay XXXX they repossesset the car. and they didon XX/XX/XXXX. then they send me the letter that i broke the promise in our agreement, but i didn'i have proof they did. if they will go after me more i will put this case to court. 
thank you
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

IC debt collectors put themselves on report 6 months ago. Turns out they are saying they are collecting for a utility company and the last time account was operating was 5 years ago????? Ive asked several times for documentation especially billing and payment history and they cant and wont provide me with anything. 

I told them several times social services was last handling and paying the account. I couldnt pay it years ago and social service took it over so the power to the home wasnt turned off because there were young children living there with me as well anyway the collection agency refuses to send any proof of any billing. I am not responsible for any of social services dealing with them. I lived in the house and didnt pay an electric bill for 5 years. I would see bills mailed and see social services make some payments but it had nothing to to do with me. Thats the law in my are I guess becasue thats how the electric stayed on all those years without be payng anything because I didnt have anything. So I C systems wont send me any documentation of anything. If they did the billing all those years back would show any payments made to the account were made by social services. 

Ive tried several times to explain this and all they do is make threats
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via Navy Federal Credit UnionXXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. NFCU is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, NFCU failed to fully disclose the consumer transaction. 

This is an advisory of NFCU 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.
Consumer complaint received 2020-08-25
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. (AR)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$1700.00} XXXX XXXX {$54.00} XXXX   XXXX {$98.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$210.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1400.00} XXXX XXXX {$450.00} XXXX XXXX {$710.00} XXXX XXXX {$120.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} DEPTEDXXXX   XXXX {$5500.00}
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Dear Sir/Madam, I am writing to formally complain about Chase Bank 's handling of my recent home purchase, which has left me frustrated and disappointed. I believe the bank has acted in breach of their own mortgage closing guarantee and shown a disregard for consumer rights. 

To provide some background, I submitted an online mortgage application with Chase Bank on XX/XX/. I was fortunate to receive a pre-approval from Chase Bank for the mortgage on XX/XX/, and I promptly provided all requested documents to them in XXXX and then again on XX/XX/ 

Having executed a contract for my house onXX/XX/, I provided a copy of the contract to Chase Bank, anticipating a smooth process. However, there were multiple delays due to Chases failure to promptly obtain an appraisal of the house, which was finally completed onXX/XX/. 

Following the appraisal, I experienced another round of delays stemming from Chase 's oversight in documenting a signature waiver related to the appraisal process. As a result, I wasn't able to close on the house until XX/XX/XXXX. This delay extended far beyond the XXXX Chase Mortgage XXXX XXXX XXXX XXXX additional stress and inconvenience. 

I escalated this issue to XXXX XXXX XXXX at Chase Bank on XX/XX/, and a second inquiry was sent to him onXX/XX/. Despite my attempts to seek resolution, I have yet to receive a response on a decision. Most recently, I submitted a request for review to Chase corporate on XX/XX/XXXX and received an email asking that I call them. Upon speaking with a representative on XX/XX/, I was told that they would not honor the closing guarantee, under the pretext that the closing occurred 15 days after the final document was received, a claim which contradicts my records and timeline. 

Based on the provided outline of events, I believe Chase Bank is in violation of their {$5000.00} closing guarantee. If Chase does not intend to uphold their guarantee, it should not be advertised, as it misleads consumers with a false promise of a timely mortgage closure. My research and online complaints suggest that this deceptive practice is not an isolated incident but a recurring issue with Chase Bank. 

I have emails and documents that substantiate these statements and I am ready to provide them if required. I am appealing to your agency to thoroughly investigate Chase Bank for these practices and to help secure the {$5000.00} guaranteed by Chase. I believe this action is necessary to safeguard consumer rights and deter false advertisement in the financial industry. 

Thank you for your attention to this matter. I look forward to a favorable resolution.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

XX/XX/2022 my car was repossessed and sold, so Mazda states. the car loan was XXXX. they claim to have sold it for XXXX and I owe XXXX after the fees and remaining balance.