davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments (UT)

On XX/XX/2017, we contacted 1File.org in order to inquire about loan consolidation. During the initial consultation with XXXX XXXX, he was very helpful, but misleading. XXXX told us that the {$280.00} payment that was to be made three times was to go towards unpaid interest on our current loans. After that, our monthly payment was {$46.00} ( {$39.00} toward their fee and {$7.00} toward the loan ). After paying our three {$280.00} payments, they took from our account {$39.00}, not {$46.00}. Meanwhile, we are being contacted by XXXX XXXX in regards to late payment. We found out that we owed XXXX XXXX {$56.00} every month for our consolidated student loans. After contacting 1File, we were informed that the three payments of {$280.00} was a fee and not an unpaid interest payment toward our original loans. In addition, they take their fee of {$39.00}, but then we are responsible to pay XXXX XXXX. XXXX told us that 1File would distribute the {$7.00} for us. Also, I don't know where they came up with {$7.00} as a minimum payment because XXXX XXXX requires {$56.00}. So now, I am paying interest on top of consolidated interest. This is a complete scam. They lie to you and then charge you. This process can be done for free. Why would anyone in their right mind pay {$840.00} to have someone file paperwork for them? They would if they were told that it wasn't a fee but an unpaid interest payment instead. They will try to say that we agreed to everything via a recording, but what they don't have is all of the conversation before the recording where XXXX talks fast and then we respond " yes '' going off of the previous conversations.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (FL)

I had fraudulent information that was disputed on  my Amex Serve card and they refused to refund me back my money last year along with refusing me to  continue being an American Express Serve card member which is a prepaid debit card which is ridiculous considering I was a victim of identity theft
Consumer complaint received 2017-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is well aware of an identity theft.gov report as per previous rep spoke with the rep tonight said ca n't find report and Transunion is taking more  than 48 hour s to block fraudulent items on credit file
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Transferred the balance of a capital one account that was delinquent in late  XXXX  to early  XXXX . The account was up to date in mid  XXXX , account balance of  XXXX  was transferred in  XXXX   XXXX ,  XXXX  to a lower interest account that was opened with a local credit union. The new  XXXX   XXXX  account that was opened on  XXXX / XXXX / XXXX  has never been past due and I have always payed  XXXX , almost double the minimum payment (  XXXX  ) The balance has been current for over a year and no longer is there any delinquent accounts opened.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their " USAA '' anything and thats why they can't validate these debts. Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo Card Services at the beginning of XXXX to have them STOP sending me statement stuffers with balance transfer checks. 

Once again, in the End-of-month XXXX billing statement, there was a balance transfer check. 

I had to call again. They said it could take up to two billing cycles.

This is the third. Then, they said it could take up to 60 BUSINESS days, which is a REALLY long time period. In the meantime, I'm subjected to potential fraud, if my statement is stolen.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (CT)

Barclay Bank Card Company bill ed for a charge on a  XXXX   XXXX   XXXX  card I never received and never activated. After many complaints the company terminated the card and the charge. It did not remove the entries from my credit record despite my requests to do so. BUT, I applied for another different card at  XXXX   XXXX , and it turns out this same compan y ( Barclay ) services that card also, so my application was denied for the reason that Barclay has flagged my account as delinquent or something else stating I did not pay a balance ( it must mean the service charge on the old   XXXX   XXXX   XXXX  , which Barclay waived because I never received or ever activated that card ). I have an excellent credit score in the  high  XXXX  's and good credit. This is unfair and will limit my obtaining future cards from a lot of places serviced by  Barclay  Bank.
Consumer complaint received 2017-06-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America allowed someone to access my credit reports with XXXX and XXXX earlier this year. I never authorized it and have no idea who they gave my personal information to. Now I 've had identity thieves steal credit cards and insert addresses into my report so they can use my accounts history for their own gain. It is likely that BOA is the source that has allowed these criminals to act using my credentials. BOA called me about the fraud and said they would remove the inquiries from both credit reports. They never did. I asked XXXX and they confirmed, so they removed them quickly. XXXX failed to properly investigate my dispute and it remains, hurting my credit score. <P/>I 'm angered that BOA is so cavalier about endangering my critical financial information and that it ca n't even be bothered to remove the inquiry from my reports.
Consumer complaint received 2018-07-19
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: HW Holding, Inc (MI)

I was a victim of the XXXX inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I want the inquires removed
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XXXX of XXXX XXXX XXXX sent me alert that XXXX placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently XXXX XXXX XXXX. In XXXX of XXXX I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, XXXX to see what had happened. I was told when setting up the payment plan in XXXX of XXXX to write a letter to XXXX 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate reporting.
Consumer complaint received 2017-06-21
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: Experian Information Solutions Inc. (MD)

I have written a letter to Experian dated XX/XX/XXXX. A signed certified return receipt for this letter ( document provided ) was on XX/XX/XXXX, requesting that XXXX XXXX along with several other creditors be removed from my credit profile because it violated the 5 day reinsertion rule.
<P/>
Experian has made the changes to all other creditors to date except XXXX XXXX. On XX/XX/XXXX, I received a letter stating that the investigation will be complete on XX/XX/XXXX. This is beyond the 30 day period for reinvestigation. Today XX/XX/XXXX is the 45th day. This creditor was already disputed and previously removed in XX/XX/XXXX, the CRA has had ample enough time to complete this investigation and is now in violation. XXXX XXXX should be deleted just as the other creditors due to the 5 day reinsertion rule.
<P/>
Attached are the documents supporting that the creditor XXXX XXXX was on my profile dated XX/XX/XXXX. Two weeks later XX/XX/XXXX, I received an updated report with XXXX XXXX removed. Thirty three days later on XX/XX/XXXX, I received a report in which the creditor still remains deleted. Currently the creditor has been reinserted in my credit profile. Which is illegal without the debtor be made aware of reason of being inserted.
<P/>
The CRA has not given any letter or has forwarded any validation of this debt however is now informing me in the latest credit report ( see attached ) that even more time is needed to continue to investigate. This is an act of non-compliance of several crediting report laws and statutes.
<P/>
I have provided such evidence that my consumer credit profile is not being reported accurately and fairly by the CRA. This creditor XXXX XXXX must delete this from my credit profile or a civil action claim will be sought out as the next communication.
Consumer complaint received 2018-02-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services (MD)

I took out a {$5000.00} dollar loan in XX/XX/XXXX from Lendmark Financial. I took the money out to start my now very successful business. 

I made the payments on time every month until XX/XX/XXXX when I was called by a debt solution company about renegotiating my debt. I agreed to enter the program as I had already purchased my home and car so I didn't think it would be a bad idea. The debt solution company XXXX XXXX XXXX XXXX XXXX told me to treat it like a bankruptcy while they negotiated the outstanding balances lower. A month later I received a summons from XXXX XXXX XXXX collection agency. The XXXX XXXX XXXX XXXX XXXX   company told me not to respond to it. I had an over 700 credit score at the time. Then XXXX XXXX  XXXX called me and threatened me and it made me extremely nervous. I was able to make the payments, it was never about not being able to make the payments so on XX/XX/XXXX I exited the debt program and made a payment to get up to date with Lendmark. I made this payment at the XXXX MD branch off XXXX XXXX. I called XXXX XXXX XXXX and asked what did I need to do to make the hearing go away. They sent me a form to fill out and fax back to them and I faxed it from a XXXX in XXXX PA. 

I found out later that they did not stop the hearing, and it went on and I did not show up to court and the judgment was awarded against me. I didn't have money to attain an attorney at the time and rather than go deeper into trouble with this agency I started making the requested payments to them. 

I made payments on time every single month for years. I then requested XXXX XXXX  XXXX to send me a payoff balance several times. All of my emails went unresponded to. I wanted to pay the remainder in full. No one got back to me. 

I had an automatic bill pay set up with my bank but I had switched banks. I missed two payments to XXXX XXXX   XXXX and they without my knowledge or permission pulled a large amount of money out of my bank account on XX/XX/XXXX This was way more than the balance owed. I have paid nearly 8000 dollars on this {$5000.00} loan. 

I have emailed them and called them repeatedly for an explanation and no one has responded. This place has turned my life upside down,
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX My maiden name is XXXX XXXX XXXX comes up under my name for some reason and this person is not me and I want that name off my personal crdit info
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (CA)

To whom it may concern, I was about to commit fraud without knowing I got a job as a XXXX XXXX with a company that posed as a legitimate company. I was responsible for the payments and was using my bank account as a holding of the money, I was responsible for receiving money, for the costumers to ability to pay for our companies services. i deposited a check to my account and was told that this was a fraudulent case and was handed a paper giving me information about my case and prior cases to my to familiarize my scenario.I called the company that was suppose to have this XXXX and was told that they had no idea this was going on, The Bank fee is at {$140.00}. Thank you, and I hope this fee is waived.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mendelson Law Firm (MS)

XX/XX/2014 I was used in court I never received notice or letter to go to court to defend myself, my bank account was garnished two time for a balance less than a dollar, the bank charged me a XXXX fee both times and placed a hold on my account. I didn't even get a notice from the bank, I received a letter by request from the company of triple charges and fees on 2 charged off credit card accounts, false signatures, and no full validation of these debts, I started making payments out of fear of my bank account being over draft or placed on hold, I have checked with the credit bureau and there is no listed debt or delinquencies.
Consumer complaint received 2018-07-19
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: TD BANK US HOLDING COMPANY (LA)

Due to unforseen circumstances, I was delinquent on my TD Bank retail charge account representing furniture store XXXX XXXX XXXX. I was delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was marked as delinquent 30 days for the month of XX/XX/XXXX according to the credit bureaus. After this time I paid all future bills on time until the closure of the account in XX/XX/XXXX. I contacted the company XX/XX/XXXX and received a statement credit of {$37.00} on XX/XX/XXXX for the late fee issued XX/XX/XXXX. After speaking with multiple people from customer service department, my credit bureaus still show 30 day delinquency for the month of XX/XX/XXXX.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year> I submitted a complaint to CFPB The response I got was " After researching your concern, we were not able to locate a XXXX account associated to you. 

Signed XXXX XXXX Escalation Rep. 

I can't change the information, they can't find any late payments so why would they purposely summit incorrect information to the credit bureau. 
I work very hard to maintain a good credit score and it's not fair that you would penalize me for your mistake. Please contact XXXX and tell them you have no history of my account being late
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

In XX/XX/XXXX, I purchased a vehicle through Ally Financial, this was a Saturday. The following week, I contacted my credit union, XXXX XXXX XXXX XXXX, and refinanced the auto loan. I refinanced this loan well before the first payment was due. I have had several accounts and loans with this credit union and I have never had any issues and continue to use them for almost all of my loans today. Sometime that XX/XX/XXXX or that XX/XX/XXXX I was made aware that, somehow, the original check sent to Ally was a little short. I contacted XXXX and they promptly took care of the issue. Upon pulling my credit report, I realized that somehow Ally had shown delinquent payments of 30 and 60 days in XX/XX/XXXX and XX/XX/XXXX, well after the refinance was completed. I have contacted Ally and disputed multiple times but was told XXXX never contacted them for the full payoff amount. I have even asked how would my credit union have come up with the payoff amount without contacting Ally but they just say they have no record, XXXX just magically came up with a random payoff and sent them a check, I guess. I have attached several documents to support all of this and I now see that my credit report shows Ally to report the loan was paid in full XX/XX/XXXX but yet I still show late payments for XX/XX/XXXX and XX/XX/XXXX of the same year. I have explained on multiple occasions that this must have been an accounting error or something and XXXX has even sent a letter to Ally explaining the mistake and accepting full blame but Ally refuses to remove the two negative marks from my credit report. Please see attached documentation.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have contacted the corresponding court and they have admitted in writing that they do not furnish the credit agencies any information. 

I have also reached out to XXXX before XX/XX/XXXX and also on XX/XX/XXXX, and XXXX has suppressed any information to any alleged public record on my file and they send me a letter to that fact.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In according with the Fair Credit Reporting act XXXX  Account # XXXX and XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. State I have the right to privacy.

15 u.s.c 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.