davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

My last payment to my XXXX Visa Card account with Barclays on XXXX, XX/XX/2019 was processed in the amount of {$290.00} by ACH automatic debit from my Barclays savings account ending in XXXX. Over that 3-day weekend, the debit was held as pending by Barclays owing to a temporary freeze on funds in my account that I was not made aware of. On Wednesday, XX/XX/XXXX, I was informed by Barclays that my pending debit would be rejected. Two business days had passed since my automatic payment successfully posted to my XXXX Visa Card account, so I contacted XXXX Visa Card customer service with my concern. I was assured twofold that my account was in good standing and that there were no annotations on my account to indicate any problems with my payment. The representative stated that he did not want me to experience any problems with my account and thus took additional effort to ensure the compliance of my payment. 

One day later, on Thursday, XX/XX/XXXX, my XXXX Visa Card account transactions listed 4 new items indicating that my payment that had been processed five calendar days prior had been returned. The account had been assessed a retroactive interest charge, a returned payment fee, and a repeat debit of my Barclays savings account ending in XXXX for the same amount of {$290.00}. 

I contacted XXXX Visa Card customer service by phone and by secure message through the online portal to address my concern about the lapse in payment and requested in three instances on both occasions that the interest and fee be waived as a courtesy in acknowledgement of the trying circumstances beyond our collective control. I was refused on both occasions with XXXX Visa Card maintaining that they would not be liable for returned payments enacted on their automatic debits and affirming their prerogative to assess both interest and punitive charges. 

The funds in dispute by Barclays XXXX Visa were in practice never in jeopardy. They were able to debit my internal savings account with Barclaysand acknowledged as much in my ledger and in dialogueand retroactively insisted on my negligence by artificially reversing and repeating the ACH debit in one fell swoop. My account never past due, yet XXXX Visa marked the reversal initiated on the XXXX as occurring on the XXXX in order to impose interest on the five calendar days when the payment was never, in fact, past due. 
This insidious practice does not comport with the reality of the circumstances underlying these events and serves only to further an ostensibly dubious profit-driven imperative. Moreover, Barclays was never deprived of the funds given the delay in learning of the lapse and acting to reappropriate them in real-time within its own institution.
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CO)

My loan repayment began in XX/XX/2023. I created an account with Nelnet, the company my loan had been sold to. Every month when I log in I can not and have to change my password to do so. I informed the loan company about the problems I was having and finally got an email 2 months later which addressed nothing regarding their ability to fix the problem. I can now not log in at all to pay my loan payment. I have gone through their system to change my password 5 times and still can not log into pay, I want to make sure I will not be charged a late fee due to their inability to correct their problem.
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (KY)

Im not even sure how but this company is harassing my family, friends and wife for this debt. They have acquired phone numbers from family members and people who have recent phone number changes. This company has went above and beyond harassing, calling at all hours of the day and night after being repeatedly told not to contact anymore. My entire phone number block list is nothing but this number. 

I am beyond disturbed and uncomfortable knowing that a company can do this.
Consumer complaint received 2017-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Control Technology, Inc. (TX)

XXXX from Account Control Technology has contacted me several times at my place of employment. I can not have calls from outside of the company for personal use. She left a message with our XXXX to call her back at XXXX ext XXXX.
Consumer complaint received 2023-07-05
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. (OK)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX bankrupcy However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX5 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (FL)

I have a car loan with Santander and my car was stolen on XX/XX/XXXX. Since it was not retrieved, my insurance company declared it a total loss and issued a check for its value. Since I have only had the loan for three months and would like to avoid going through the entire financing process once more, I requested a substitution of collateral from Santander. Each time I call Santander 's customer service to discuss this, I am given a different answer regarding the feasibility of my request. At first, I was told that a substitution of collateral does not exist. After calling several more times, I was informed that it does indeed exist but it is never done for total loss cases. I would like a my request to be handled by someone who is well versed on this issue as I have been without a vehicle for close to three months.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX  SS 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - PAYMENT HISTORY XXXX  Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-05
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. (FL)

Today, I am sending my CFPB complaint to you to notify you that the XXXX credit bureaus neglect to correct the inaccurate account on my credit file. This account has several error. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history.The bureaus are reporting false information and I believe the company is violating Sections 605b of the FCRA. Kindly help me correct this account : XXXX XXXX XXXX XXXX Balance : {$300.00}.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HILLTOP HOLDINGS, INC (TX)

I have so much information regarding my loan and how XXXX and XXXX XXXX XXXX have handled my mortgage loan. I have tried repeatedly to work with XXXX but the company refers me to their Texas law firm XXXX, XXXX, XXXX, XXXX and XXXX, XXXX from XXXX, Texas and that firm would tell me to call XXXX. Very deceptive since I submitted in XX/XX/2021, {$19000.00} to CENLAR since their office claimed that was what was owed and the money was refunded back to me since I was short {$10000.00} and they would not allow for the fees to be added to the {$56000.00} note. My house will be sold tomorrow, XX/XX/2021 for {$56000.00} so who will pay the {$29000.00} plus that will still be owed? 

I have researched and realized that this company is very deceptive and have several lawsuits against them for the exact same reason they are foreclosing on my property. 

Please help to stop this and maybe it will help another family somewhere not suffer these consequences. 
What I want for them to be investigated and brought to justice for what they do to families along with their Law firm that represents them.
Consumer complaint received 2021-03-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2018-12-15
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. (MD)

i am XXXX years old. i started using credit at XXXX when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of XXXX years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about XXXX years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only XXXX years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.
Consumer complaint received 2020-04-17
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. (MA)

In the past few months I have received more than 10 Alerts thru my XXXX  XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( Equifax, XXXX  and XXXX  ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card Company-XXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.
Consumer complaint received 2023-07-03
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. (CA)

In regards to XXXX XXXX account XXXX  XXXX This is void contract/void agreement. 
According to your installment contract number XXXX dated XX/XX/2021 states : The minimum public liability insurance limits provided in law must be met by EVERY PERSON who purchases a vehicle. 

In fact I never had auto insurance & never provided XXXX with auto insurance of any kind that has XXXX XXXX  name associated with the policy. 
Your INSURANCE REQUIREMENTS section on the contract states YOU AGREE TO HAVE PHYSICAL DAMAGE INSURANCE COVERING LOSS OR DAMAGE TO THE VEHICLE AS LONG AS THE AMMOUNTS ARE OWED UNDER THIS CONTRACT I never had auto insurance of any kind to qualify for the vehicle or the ammounts owed under the vehicle. The original seller of the car did not check all requirements because one clear requirement is ALL PURCHASERS OF VEHICLES MUST PROVIDE INSURANCE PRIOR TO GETTING POSSESSION TO VEHILE. The insurance section has XXXX XXXX signed as a requirement for the insurance but XXXX XXXX did not provide insurance therefore this contract is incomplete, voided, & false to say the least. Im demanding EXETER finance to remove the account from my name & credit file immediately due to me not legally being under contract with the company.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I got a loan from XXXX XXXX XXXX in XXXX, PA for medical assistant almost 13 years ago from XXXX XXXX. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX  class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my XXXX XXXX loan then got taken over by navient in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX  it's open now taken over by XXXX and under my Equifax report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a XXXX XXXX of XXXX little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX XXXX XXXX and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports
Consumer complaint received 2024-02-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: DISCOVER BANK (NJ)

I've contacted the bank to discuss the recently auto-renewed ( XXXX XXXX IRA CD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the agent couldn't locate the account as the agent didn't think it could be IRA CD, not the regular CD ( I was traveling and didn't have the exact info with me then ). When I called them 2nd time on XXXX XXXX XXXX the different agent located the account but required to have another bank where the fund to be transferred to issue a transfer data form with my signature and mail/fax it to Discover ( the due to avoid further early withdrawal penalty wasn't indicated then but mentioned the penalty would be about XXXX XXXX 
He couldn't close the account to move it to one of their saving accounts right away due to their own internal policy to do so right away. Therefore, I decided to transfer to another local bank. According to the local bank, the transfer form was mailed out on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, one of Discover bank agent called me, saying if I still wanted to transfer the IRA CD to another bank as the new penalty XXXX to {$230.00}. I was shocked of the sudden increase of the penalty, and requested to talk further with their supervisor ( XXXX ), who strongly denied to reduce the penalty due to their internal penalty as the transfer form arrived on XXXX XXXX, XXXX. The local bank 's mail date was XX/XX/23 and Discover insisted that they received on XXXX XXXX, XXXX. It was eventually closed and moved to another bank and Discover charged {$230.00} for the EWP. According to the USPS headquarters, the domestic standard mail delivery takes 3~5 days. I don't understand why the customer is supposed to be responsible for the holiday weekend delivery delay. I bet the internal process of Discover may have taken extra days from the mail room to internal department. 
I requested the post stamp proof by sending me the copy of the envelope as well as the description of the EWP, they failed sending me both as of today ( XXXX ) although the check with the EWP deduction was delivered to the local bank last month.
Consumer complaint received 2023-07-03
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. (NV)

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, 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 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 2019-02-20
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: WELLS FARGO & COMPANY (GA)

Wells Fargo Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/XXXX.