davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Debt collection — Auto
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: FORD MOTOR CREDIT CO. (FL)

I was XXXX in XXXX in XXXX XXXX and I received an email in XXXX that my Clearance was being Adjudicated, on XXXX XXXX, XXXX a list of the accounts was provided from my XXXX and I then learned one of the accounts involving a Ford Motor Account that had been reported as Charged Off by the Credit Reporting Agency. I was sent a picture of a Collection letter that was sent to my children 's home in XXXX NC, I called the Law Office on XXXX XXXX, XXXX and explained that I was currently XXXX in XXXX and had disputed the account with Ford Motor because I had requested that the account be adjusted for charges and fees paid in violation of the SCRA over the 5 year period I had been recalled to XXXX XXXX. I had been XXXX a few times during that time and had know idea that the account had be charged off or placed into collections, I also stated that I was very willing to pay the account in full, once the charges were adjusted according to the SCRA 6 % Limitations, and that last thing I wanted was for this to become a court case. She told me that the case was placed with the firms office, and they had n't contacted anyone about the account and as long as I was willing to work with them to get it paid, it would n't be filed in a court action. I had been calling the law firm office and was still waiting to hear back about the adjustments, but it was the XXXX holiday and I had n't been able to reach anyone for almost 3 weeks when a Default Judgement was mailed to the North Carolina address in XXXX XXXX. I was never told that a Complaint was filed and the only thing in the mail was a Motion for a Default Judgement without a hearing, there was n't a Complaint Filed that I can see and I did n't want to call the collection agency back after I realized that they had just been stalling me about the adjustments to the account. The judgement has been placed on my credit report by the Court, I thought that they had been notified about my XXXX and that I did n't reside in North Carolina, but a Clerk of Court through the documents filed with the Court on XXXX XXXX, XXXX away. I do n't think contacting the Court myself will help, and even a Attorney would be seen as my representative, and could give the Court jurisdiction. I ca n't afford a Attorney and I do n't trust the law firm who deceived me last year, so I 'm hoping contacting them through the CFPB will make sure I 'm not blocked by a Clerk and a Judge can Vacate the Judgement or Dismiss it. I 'm afraid this Attorney will drain my bank account or something else, she has been sending letter to the house in XXXX and threatening my family. I feel like I do n't have any way to stop this attorney from harassing my family except paying them, I do n't see why they did n't just let me pay Ford Motor in XXXX, is n't that what a Collection Agency does? I will not have any further contact with this firm.
Consumer complaint received 2016-07-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Texas Guaranteed (TX)

I have a Texas guaranteed student loan-which originated 1st with XXXX XXXX XXXX and has been transferred to Texas guaranteed student loan corp. Im contacting you because unjustified wage garnishment of Temp worker, because the lender is unwilling to accept less money than possible. Also, the amount of loan is in dispute as I believe I only took XXXX loan and because they transferred the loan so many times, they say I owe twice as much in XXXX loans. I requested copies of original loan agreement w signature and they only sent a statement and not original docs. XXXX/XXXX/2016 wage garnishment is supposed to take place. Also, 2 years ago, I submitted for a payment plan and was told {$45.00} was my payment which I agreed to do, provided all information, and then while I was waiting for approval, was told I needed to give address of reference, and I did call to do so. The person who i spoke with didnt submit the information of address, then because of the lender employees fault of not submitting was told I was turned down and had to do everything from the start. 
I have told the lender the situation and they only said now they want {$350.00} now to negotiate. Im a temp worker. I had unemployement for XXXX week this month, and they wont renegotiate to what I first was approved for. {$45.00}. They want me to go through the whole process again although I did everything they asked. 
I want to be a plan of {$45.00} as I agreed long ago and copies of originals. And no wage garnishment.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax has claimed that account details have been verified without any documentation in regards to accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX yet I am the only party providing documentation against all these fradulent accounts. I would include XXXX XXXX but I will take Equifax at their word when they claim that this account is no longer on my report. I have provided a settlement agreement to Equifax reguarding XXXX XXXX XXXX when I used ther representative in court and the settlement clearly states that this debt can never be collected on by anyone, yet Equifax reports this because someone says so. XXXX XXXX XXXX has refused to provide any agreement in regards to this account, yet Equifax reports them because XXXX XXXX XXXX says so. XXXX XXXX XXXX has never stated what was on this account and if it is a computer, has never tracked down where this computer is, yet Equifax reports it because XXXX XXXX XXXX says so. XXXX XXXX XXXX has changed the address and names on the reported account, yet Equifax reports this because XXXX XXXX XXXX says so, XXXX XXXX XXXX claims to have filed a document that reports their account as income, yet Equifax reports them because XXXX XXXX XXXX says so. I am the ONLY party providing documents yet these accounts are reported because someone says so. I am including a letter from XXXX XXXX XXXX through the CFPB showing that XXXX XXXX XXXX claims to have filed a XXXX and that they are holding my credit ransom on a fradulent account by continuing collections, I will also provide a document from XXXX XXXX XXXX that shows a second name and that the name is my wife 's yet her maiden name is on it, almost a year after we were married on XXXX XXXX, 2012 and after my wife did change her name at a XXXX XXXX XXXX branch in XXXX Virginia XX/XX/2012 with a social security card and a drivers license with her married name on it and provided a copy of her card to Equifax. This is the last time documents will be sent before I file my lawsuit against Equifax. I have tried to keep this out of the courts but Equifax refuses to give me a fair investigation. Name, Address, Social Security Number, and Date of Birth being provided by a company is not the result of a fair investigation, as someone had this information to set up these accounts. Everything else that was reported months ago had shown fradulent activity and were removed so what makes the last XXXX accounts different as these other companies also said my information was on there but the accounts were fradulent. 6 days until court papers are filed.
Consumer complaint received 2016-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I 'm making payments of {$240.00} for XXXX subsidized loans and XXXX unsubsidized loans. When I 'm paying down the balance which has all the interest calculated in, I realized the balance was only going down by {$30.00}. I was told by Navient it is because I was on forbearance before and I 'm paying {$200.00} of interest for it. Should n't that still reflect in the balance because I 'm paying on interest? Last month my Total balance was {$42000.00} than I paid {$240.00} and my new balance is {$42000.00}. {$25.00} is all that went to my balance. It just does n't add up.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification In accordance to the Fair Credit Reporting Conversion Account has violated my rights.

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Continues to violate payment allocation rules according to the Credit Card Act. " PAYMENT ALLOCATION Subject to certain exceptions, when a consumer makes a payment on his or her account, issuers are now required to allocate the amount of that payment that exceeds the minimum payment first to balances that are subject to highest interest rates and then to each successive balance bearing the next highest rate of interest. '' I have a promotional balance with a 0 % interest rate. My 1 Regular Purchase for {$450.00} and my 1 Cash Advance for {$500.00} both accrue interest at 16.15 % and 16.40 %. I 've been making several payments way above my minimum payment which has been {$0.00} on all my statements since XX/XX/2016. USAA has not been applying the payments to the highest balances with the highest interest rates first according the Credit Card Act rules or their own credit card agreement. 
From USAA 's Credit Card Agreement : " How we apply Payments. We may apply Minimum Payments and other credits other than payments in any order we deem appropriate. Amounts paid in excess of a Minimum Payment are applied to the balance with the highest APR. '' USAA has continued to adjust my payments to balances in order to continue subjecting me to paying interest on balances that should have long been paid off. I previously contacted USAA directly regarding my concerns and filed a previous complaint, yet nothing has changed. I was even told by a senior USAA executive that I would be getting the interest I 've paid reversed, that never happened either. Is there another federal agency I should be reporting this blatant violation too? At what point should I contact an attorney or file for legal action?
Consumer complaint received 2016-12-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am the beneficiary of my deceased brother 's ROTH IRA at Bank of America, which consists of XXXX CD 's. I worked with an individual on the phone in the IRA department XX/XX/XXXX, to set up the distribution of funds to coincide with the CD maturity dates in XX/XX/XXXX, which were all within the 5 year period required by the Federal govt. However, after the first anniversary of the beneficiary IRA account, B of A sent a check for about XXXX of the IRA. After I called to complain on XX/XX/XXXX, they stopped payment on that large check and said they must do a minimum distribution. So they sent a check for {$1900.00}. I talked to a supervisor, XXXX XXXX on XX/XX/XXXX and he said it is the bank 's policy to to make a minimum distribution. However, this minimum distribution was not stated on the form I was asked to fill out when setting up the distribution, nor did the man who helped me set up the distribution mention anything about this. I have asked supervisor XXXX XXXX to send me consumer information detailing this policy of minimum distribution. He said he would look and see if anything was available. In the time between now and XX/XX/XXXX, I will lose over {$700.00} in interest due to the early distribution of funds, since there are no CD 's currently available that will pay the interest I am currently receiving in the IRA CD 's. The Federal government says that I can leave the money in the account as long as it is all withdrawn within 5 years. This interpretation of Federal law was confirmed by XXXX XXXX ( XX/XX/XXXX ) and also XXXX XXXX ( XX/XX/XXXX ), 2 Bank of America IRA help desk employees. Yet Bank of America policy is above the law and requires a minimal distribution, without prior notification to the customer. This is wrong. They appear to be trying to get out from paying the better interest rate.
Consumer complaint received 2017-02-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One has language on the back of their statement describing their terms and conditions. Part of that language covers the situation when previous balances had been paid in full without incurring interest charges, and the first month the previous balance was not paid in full. Their wording is that " If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' However their billing system applies average daily balance method in this situation, violating their owns terms and conditions and charging excess interest to all of their customers.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KY)

Hello- I have previously disputed this item with Experian. We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account now ( XXXX XXXX XXXX ) should be deleted from my Experian credit report. XXXX XXXX XXXX changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.
Consumer complaint received 2016-06-06
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY ()

Please review prior complaints numbered : XXXX and XXXX. 
This complaint is a follow up to the XXXX prior complaints, and refers to untruthful statements made by Well Fargo in reply to BOTH the prior complaints. In summary, Wells Fargo alleges that I can transfer money from my US Wells Fargo accounts to my bank in the XXXX XXXX using the Wells Fargo online system. I have a Wells Fargo on line account ( despite the Wells Fargo repeated assertion that I do not have such an account ). I phoned the Wells Fargo phone Help Line today to help me transfer funds. They told me today that there is a tab on the online web page ( the tab is allegedly called " Wire Transfers '' ). No such tab appeared on my session with the Wells Fargo on line system. Wells Fargo asked me to reboot my computer, which I did. When I logged on to the Wells Fargo online system again, there was STILL NO SUCH TAB and no such page on their online system. Wells Fargo have told the CFPB in writing, twice, that wire transfers can be accomplished from the US to the XXXX using their online system, but today, even with the help of the Wells Fargo phone Help Line, Wells Fargo could not demonstrate that this transfer capability even exists.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX is reporting Docket # XXXX on my Experian Credit file. Due to the XXXX v. XXXX lawsuit, all Virginia Court filings should not be reporting. This is the only public record from a Virginia Court that remains on my credit files, most recently, I submitted a complaint about XXXX in XXXX 2016 and those accounts were deleted from my XXXX report. I was made aware of the XXXX Case while completing a Mortgage Pre-Qualification.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union has reinserted information regarding my car loan with XXXX. XX/XX/2016 it was reported as deleted but XX/XX/XXXX/XX/XX/XXXX XXXX XXXX reported that Trans Union had reinserted the negative information. In addition, it also appears that the information that Trans Union is reporting is inaccurate suggesting that I am 3 months behind on my car note. Consequently, it is impossible to be more than 30 days behind with XXXX XXXX because at that point that tag your name and put it on some collection list.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This morning, I found unauthorized inquiries on my credit report, and I have no idea why they're there. I regularly check my credit report, but this time there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Please review the documents Ive submitted thoroughly so I can finally put this issue behind me.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AR)

On my credit report showed debt owed that was not mine. I do n't think about checking my credit report since I keep up with what I spend or bills I have. So sad and very upset this has happened. Would not have known, but looking for a house and lender spotted it. Today i spoke with a representative about filing a complaint. She was extremely kind. Three hours later! So glad she was out there to help!! Now though it hurts the interest rate locked in we can get for the house. Be wise and and put checking your credit SCORE on your to do list!!! Most definitely.There are more steps to take in making this good. Hoping and praying they make it right!!
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY (NJ)

My bank, TD Bank, recently just closed my credit card down. They had finally provided chipped cards but I saw on their form I had to use the last XXXX digits of my Social Security number as part of my ID. I said I did not want to do that because of the exposure to hacking it would enable and right then, they closed my existing non-chipped card and the chipped one which I had never agreed to signing up for. My credit report must look awful. 

I am confused and I am also profoundly deaf and banks are not easy for me because they wo n't do anything on line so I have to drive there every time there is the slightest issue. Well this is a big issue and I am learning from other people that most of the banks are doing the same thing - demanding people use XXXX digits of their Social Security card which is then put on their huge on-line systems. 

This makes no sense given the hacking situation where even federal employees data has been hacked en masse. Are banks allowed to do this and ask for those XXXX digits as part of an ID system? I do understand they need the entire Social Security number for various reasons but think that should be segregated from every day transactions. Are we as citizens being forced to put ourselves in unnecessary risky situations and if so, why? Interestingly I do n't have to provide that data for a debit card so I do n't understand why they are putting FDIC backed accounts at risk and why they are allowed to do it. 

Any help you can give me will be appreciated.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TN)

On XX/XX/23 I tried to activate my new credit card with Citi bank and they told me they cant help me due to them having to send a verification letter in the mail? But they were able to activate my card with sending a verification code through text? The supervisor couldnt even help me to understand as to why this is even a thing and I asked her if this was for all new accounts ( not even asking for information about my account ) and they told me they cant help me due to me not having said letter with the code. The customer service sucks
Consumer complaint received 2017-01-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Technology, Inc. (IL)

I continue to receive phone calls from an agency looking for someone with the same name as me. The agency 's phone number is XXXX. The main person that has been calling me is XXXX. I have actually returned the calls to speak with people there and even spoken with XXXX regarding the mistaken phone number. When they call me, they immediately want to confirm personal information which puts me on guard because in today 's world, someone calling you wanting to " verify '' your birth date and address as soon as you confirm your name, puts up a bit of a red flag. They would not go into more detail as to why they were calling other than to apologize about the mistake. However, it continues to happen. They are primarily calling my employer ; which I really do n't appreciate one bit.
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

This ALDOUS ( XXXX XXXX XXXX ) collection has been paid and is inaccurately reporting on my XXXX report. I have sent multiple complaints to have it removed. It has been removed from XXXX and XXXX so now it is in violation of 15 USC 1681eb for inaccurate reporting. I have attached my last dispute letter to transunion.