davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (NC)

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 an account without my written instructions.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. You are violating my consumer rights.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  - {$1600.00}
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NY)

I went to chase bank couple weeks ago to go open an account and they told I already had an account opened in my name which I had no idea of. So in order to get into it I need a police report. I went to station the they telling to get a credit report.
Consumer complaint received 2020-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (IL)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX TD Auto Finance does not disclose the principal balance on my loan on the statement mailed to me nor on their website. To get the principal balance I must call them. I have never come across a lender that does not disclose the principal balance owed. I believe this is deceptive and must violate some consumer protection law. 


XXXX XXXX
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank closed my account without my permission after a rude employee did it due to me saying I would report her in XXXX spring. I have made payments until XX/XX/XXXX of XXXX when I selected to pay the balance in full on the closed account. I was under the impression that due to the account already being closed and I paid in full there was nothing else to be done. Almost 3 months later in XX/XX/XXXX I receive a call saying I owe. I thought it was spam until I asked how much they stated I owed {$32.00} I asked for what and they said the account was still open and I owed {$2.00} from interest that has now turned to {$32.00} after a 30 late fee on a supposed closed account thats been reporting as closed prior to this. The rep offered {$10.00} off and I asked for manager. I was never notified about this due to them closing my account. The manager said she couldnt do anything and she repeated that 3 times. Then I let her know that the rep offered {$10.00} off so I know that she is able if she is his superior. She refused and said she cant because my account is closed. I asked for the debt to be sent to collections if thats the case and I dont want any further late fees assessed. 3weeks later they have added another late fee of {$30.00} total of {$62.00}. This is a 3000 % mark up on {$2.00}. How is interest even accrued on a closed account makes not sense. The way my account was closed lost me out on numerous points that could have been redeemed as cash. I never opened this account with comenity bank this account was originally thru XXXX then my XXXX card switched banks to this company that doesnt even have an app. Terrible experience.
Consumer complaint received 2019-10-21
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: ALLY FINANCIAL INC. (CA)

I am so angry and frustrated with XXXX and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help. 

The companies I am reporting are 1. XXXX 2. ALLY FINANCIAL ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4.  XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and XXXX  is by far the worst credit bureau to deal with.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit, Inc (MA)

In XXXX of 2022 I called Volkswagen credit XXXX  XXXX twenty times. I had paid a payment of XXXX to cover up to XXXX for XXXX and XXXX. I paid XXXX and XXXX but not XXXX. They were overcharging me and taking thirty days to complete a payment so It would be late and they would not fix the problem. Then I did not pay the month of XXXX after trying to reason with them in XXXX and get help with the loan as they were charging {$250.00} for late fees at this point without any letter of late fees change from XXXX to {$15.00} and then so on up to {$250.00} for one month for one late fee, and for being so upset for not being listened to and for paying XXXX a month in a COVID crisis. Two days before my due date of XX/XX/XXXX, they repossessed my car without any warning. In the state of Massachusetts that is illegal. There must be three letters of repossession warning before a car is taken and I got none. Then after they stole and sold my car for XXXX, they did not give me the remaining balance. As I only owed XXXX to XXXX at this point. Therefore they owe me money or the return of the same car with the same payment plan. My name is XXXX XXXX and my number is XXXX and I want XXXX!!! Thank you
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo continues to re-enroll me in overdraft programs despite numerous attempts via phone and via their old online communication system to prevent any future enrollments and yet every few months they let debit charges be charged onto my account despite not having sufficient funds then immediately charging me another {$35.00}. And they then inform me there's multiple tiers of overdraft protection and I need to unenroll in a different program. 

I continue to try to get them to stop incurring NSF on debit charges but they refuse to fix the problem and I continue to lose money to these fees on features I've declined and have specifically request be removed from my account.
Consumer complaint received 2023-01-09
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-01
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: Experian Information Solutions Inc. (FL)

SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-09
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. (WY)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, other items still need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get deleted immediately. 
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 2019-10-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NY)

Volkswagen credit, month of XXXX, XXXX, XXXX I made a payment through a credit card without being informed that credit cards are not accepted which is unheard so throughout the whole time I assumed I was fine I paid everything on time besides XXXX I wish someone would of called me or told me that payment didnt go through or credit cards were not accepted I reached out the resolve the issue and nothing could be done even though I was not told or informed I never make late payments only once due to health problems in 2017 now my credit history is gon na be effected negatively because of them not informing me that credit cards werent able to be used
Consumer complaint received 2020-05-01
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: EQUIFAX, INC. (TX)

Company or Organization : XXXX XXXX {$950.00} XXXX. XXXX, XXXX {$140.00} Company or Organization : XXXX XXXX hospital {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXX The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} million per violation category, per year. Multi-million-dollar fines can be and have been issued.XXXX XXXX, XXXX all hippa and FTC violations
Consumer complaint received 2024-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

USAA bank will not release my funds from my checking and savings accounts... USAA bank has blocked and restricted all transaction activity in the account for over a month ... " unduly '' blaming it on unsecured transactions and verification. I have asked and tried to close the accounts and receive my money with no success because of USAA 's " illegal policies ''
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

We were offered to participate and utilize the COVID 19 forbearance payment relief. We had to utilize this program and now we are ready to resume payments and even sell our home due to the other financial hardships we have encountered. We contact Wells Fargo to see how much our balance is so we can proceed with a offer to buy our home. What we find out is astonishing and shocking ... ... .so the payments were deferred under the program and now we have a second loan amount that is equal to the payments that were deferred added to our loan payoff. But it gets better ... ... now they want to add this additional loan so we can pay back our missed payment ... .but the balance of our loan is actually higher than it was when we originally bought our home in XXXX of XXXX. The banks just don't lose huh??? It is like they figured out a loop to make sure that despite the US Governments attempt to help out citizens during this pandemic, IT WON'T COST THE BANKS A DIME. THEY WILL GET THEIRS!! We owe more than the original balance before a single payment was made?!?!?!?! The person at Wells Fargo said we had options to foreclose, short sell, pay in full all deferred payments, or make a payment and the second loan would be automatically added and set up. It would have been better for us to just deny any recovery of our mortgage ... ..then quickly list it and sell it. Our home has an offer on it and it has been on the market for 11 days. This option they did to us cost us over {$33000.00} and now we are not only financially impacted hugely by this ... .but we now find ourselves in a position of having a balance on our mortgage... in XXXX of XXXX ... .. with a higher balance that when we originally got the loan in XXXX of XXXX. HELP PLEASE!!!! 

PLEASE EXPLAIN HOW THIS HELPED AMERICAN CITIZENS??????
Consumer complaint received 2020-05-01
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)

I have had an " Auto-Pay '' schedule on my NAVIENT serviced Federal Student Loan ( FFELP ) for each month in the amount of approximately {$120.00} since XXXX. I have not touched this Auto-Pay schedule or amount and have allowed the monthly payment to debit from my bank account. 

Without my knowledge or consent, NAVIENT changed the Auto-Debit amount in XX/XX/XXXX to {$58.00}, thereby hitting less of the principal and extending the life of the payments of the loan. By doing this, NAVIENT enabled more profit onto themselves at my detriment. 

The only way I found out this happened is that I reviewed my bank account and wondered why the amount paid to NAVIENT was lower than usual. 

NAVIENT also makes its website very difficult to change the auto-pay schedule back to its original amount and one has to navigate through new prompts and de-activate the current auto-pay schedule and re-enter bank account information to re-enable a new auto-pay amount. By doing this, NAVIENT is encouraging borrowers to not increase their auto-pay scheduled amounts. As a measure to protect myself, I added a few extra payments into my loan ( in addition to the Auto-Pay ) because I could not figure out how to change the Auto-Pay amounts easily. 

I find this practice from NAVIENT to be deceptive and manipulative, and I am saddened at all the other loans they have reduced auto-pay amounts and borrowers who have not yet noticed.
Consumer complaint received 2024-12-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

My bank sent a letter to best buy/Citibank to close my account with a check for {$2400.00} to pay off the loan at the end of XXXX. Citi bank received this and reconciled the check XX/XX/year> with their stamp on the bank confirming they deposited and cashed the check but not to my account. I opened a dispute for the amount at the beginning of XXXX for the missing payment. I have called numerous time to have the issue corrected and no one over at Citibank seems like they want to help. Today XXXXXXXX XXXX XXXX  I re traced my steps with my bank and even called again with my bank and explained that the issue is on Citibank 's end where they have most likely deposited this check to another persons account. We have sent numerous documents to them over the course of a month since opening the dispute showing it's not my issue. I also asked them today to give me the full account information on the call because I don't have access to that anymore and they refused. The solution was to send me a new card which changed the account number.
Consumer complaint received 2020-05-01
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)

SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. They referred me to XXXX XXXX XXXX. XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX my girlfriend and I went to XXXX XXXX to purchase a reclining sofa and recliner chair. We found a set we liked. The salesman gave us paperwork to fill out. Both of us. Our names, address, income, etc. After a while a lady at a counter called me up holding the phone to her chest telling me, " If the bank asks, tell them you make {$5.00} a month. '' I asked why but she said nothing. I thought she was joking because I spoke with the bank and they didn't even ask me about my income. The salesman approached us telling us we were approved for the furniture we wanted. Great. I assumed it was a {$2500.00} approval because that's how much the furniture cost. Come to find out on XX/XX/XXXX that was not the case. The furniture store did in fact tell the bank I made {$5000.00} a month. I don't even make {$1000.00} a month. The fact that the furniture store lied to the bank is fraudulent. They committed fraud with my name and information. The bank gave me a {$10000.00} line of credit. When I called the bank they told me the reason being was because they were told I made {$5.00}. I told them that was a lie and they needed to remove it from my credit report. All XXXX did was update my credit with the bank. I want it removed. I DID NOT ask for that much credit. It has hurt my credit. The bank refuses to do anything about it and XXXX won't remove it. I want the account completely removed. I told XXXX it was fraud from the get go. I'm taking the furniture store to court for this.