davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My credit card is issued by USAA ... I also have it linked to my checking account for overdraft protection.. .. 

MY MISTAKE .. {$1900.00} taken out on XX/XX/XXXX .... I immediately paid the monies back to the bank very next day XXXX I also made sure to make my required payment. AND made sure there were no new charges or overdrafts ... 

I have 0 % balance on monies already on the card. Each month afterwards they have been applying about 40 % of any ADDITIONAL payments I make to the 18.6 % credit balance and NOT the entire extra payments. This has lead me to be charged interest each subsequent month. I have called in about this several times to no avail. 

I do NOT make extra charges against the account. NOT getting more overdrafts and my extra payments are several $ 100s of dollars In fact XXXX extra payment totaled {$900.00} and XXXX payment total {$2000.00}. I called USAA XXXX months in a row. Asked them if they understood The Credit Card Accountability, Responsibility and Disclosure Act of 2009 and that my extra payments are supposed to go towards the highest payment amount. Was told that only a portion has to go towards highest interest as long as I had a balance on the card .. even though that balance is 0 %. They are aware am not making any new charges! 

I gave them a chance to correct the problem and was told that they will continue to split my EXTRA monthly payments as they see fit. Requesting this stop and ALL interest be refunded back to me. Have been instructed by the USAA Agent that my account has been noted.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and Wells Fargo. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. Example of discrepancies. On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XX/XX/XXXX beginningXX/XX/XXXX-XX/XX/XXXX. On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XX/XX/XXXXbeginning XX/XX/XXXX-XX/XX/XXXX. There are also fees that are not consistent on each set of statements as well. I have also highlighted the discrepancies on the customer account activity statements. The discrepancies are as follows : Documented on XX/XX/XXXX customer account activity statements.

Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX Repay of Escrow Advance {$470.00} XX/XX/XXXX Escrow Advance {$590.00} XX/XX/XXXX Repay of Escrow Advance {$77.00} Documented on XX/XX/XXXX customer account activity statements.

Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX fees Assessed or Recovered Fee {$82.00} XX/XX/XXXX fees Assessed or Recovered Fee {$25.00} I would like to take legal action on this matter.

XXXX XXXX
Consumer complaint received 2018-07-05
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. (AL)

I have several times disputed an account that i noticed at the start of XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having XXXX, equifax, and XXXX remove this from my report as soon as possible.
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (OH)

Ally Financial did not notify me regarding a payment that did not post on time. I called after learning the Payment was late and was told they called a number that is not correct and they apologized for the error in notification. At the same time they noted a delinquent mark to the credit bureaus despite not giving me the chance to make the missing payment. 

I would credit report corrected since I was not advised of the payment issue and would like ally to confirm new contact info. Also would like late fees returned or credited to account. 

Thanks XXXX XXXX
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

The interest rate on my Nelnet-serviced loan recently increased by nearly 3/4 of a point. I received no notification of this change, and was directed to the servicer 's current rates page ( https : //www.nelnet.com/cXXXX  ). My loan rate on this page reflected a lower rate. 

I was then told to look into the rate with Congress as they set the rate. A website I was given indicated that changes in my rate should be discussed with the loan servicer due to the age of the loan ( https : //studentaid.ed.gov/sXXXX ). 

I was told that a mass email about the rate change was not sent to my account or email address, and that there was no way to have it re-sent. 

Several requests for third-party confirmation of the rate were denied. 

At every turn, Nelnet has engaged in practices designed to maximize interest payments, so my skepticism with this unproveable rate should not be cast aside. 

Nelnet should be required to notify customers when their rates are nearing a change, and provide third-party proof that the rates being charged are accurate as per decisions by Congress to increase them. Further, they should be required to maintain accurate information within their website with regard to the rates they are charging on billions of dollars worth of loans. 

These practices would not be acceptable in any industry outside of student loans, and should not be acceptable in these instances either.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kramer & Frank, P.C. (MO)

On XX/XX/XXXX, I attempted to use my debit card and it was declined. I contacted XXXXXXXX XXXX and was told that they could only tell me that there is a garnishment and the Law firms name is Frank and Kramer. The woman at XXXX gave me the phone number XXXX to call. I contacted them immediately and left a voicemail stating that I dont understand because I never was summoned or court ordered or served. I then contacted my parents and was informed my mom, XXXX, has been paying a garnishment to Frank and Kramer out of her check each week in the amount of {$50.00}. I attempted to contact the bank again and asked for the court order/ case number. The young lady refused. I asked for the amount of the debt and was given a figure of {$3000.00}. I demanded an investigation. The woman referred me to call back when the garnishment department is in. I informed her that I asked an attorney about this and was told it sounds to be illegal unless I failed to appear in court after a summons. My father called XXXX and was told to come into a XXXXXXXX XXXX and request to be removed as a secondary on my account as I am XXXX and have lived on my own and my money is for my bills to live. XXXX informed him that they could not remove his name, refund the funds or make any changes. He contacted Frank and Kramer and was told they can take everything in my account because my dads name was on my account when we opened a student account in XX/XX/XXXX/XX/XX/XXXX with XXXX. In addition, they drained my sisters account too. From my personal account, Frank and Kramer took the following : on XX/XX/XXXX: - {$50.00} - {$2000.00} On XX/XX/XXXX : - {$250.00} - {$18.00} I now am left without any money to get gas in my car, pay my car payment, pay for groceries, pay rent, pay utilities, get prescriptions that are medically necessary, or pay any credit card bills or other bills. I have XXXX scheduled next week and have no idea how I will pay. My paycheck will be deposited tomorrow and I can not access it now. I am completely without a source of money to live.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX I attempted to purchase my lunch with the funds on my American Express Serve card. My transaction was declined. I accessed the AME Serve App that I installed on my phone and saw I had a negative balance. I can not swipe and overdraw this card if I wanted to. My negative balance was the result of AME Serve fraudulently duplicating two transactions from previous days ; one for {$33.00} and another for {$6.00}. I called AME and held for 30 minutes and was told it was a system glitch and the funds would be returned w/i 3 hours. This was at XXXX. Well by XXXX I still did not have my money. This left me in a bind as the money they took was my gas and lunch money. I was displaced due to Hurricane Harvey and am now 45 miles one way from work. With AME serve taking my funds, I had no gas to get home and no money for food and I have no friends or family out here. I attempted to call AME back but was told they were not accepting calls due to technical issues. I called back on XXXX and held for 1.5 hours to speak to someone and was told it would take a day to get my funds back. Only part of my money was refunded back. I did not get the rest of my money until today XX/XX/18. As a result of their system glitch it cost me {$65.00} to get home instead of {$20.00} in gas. I also had to embarrass myself and borrow money from a co-worker for lunch and they charged me {$5.00} in interest. I need AME to reimburse me {$50.00} for the cost I had to incur as a result of them taking my funds from my account.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I am filing this complaint regarding US Banks recent actions of closing my account without providing a clear or specific reason. Despite multiple attempts to contact the bank and request an explanation, I have only received vague, non-descript responses. This lack of transparency is affecting my ability to manage my finances. 

I have always maintained my account in good standing, and there is no apparent reason why my account should have been closed, nor why I should be denied the opportunity to open a new account.
Consumer complaint received 2024-08-28
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

I started this journey at the beginning of the year when I checked my credit and noticed an account from Jefferson Capital account number XXXX for {$580.00}. I originally contacted the credit bureaus to dispute the account due to the account not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listing as its suppose to be reporting 100 % accurately and asked for proof of verification received from Jefferson Capital and did not receive anything but a generic response with no proof. Afterwards I contacted Jefferson Capital directly on XX/XX/2019 via certified mail USPS #  XXXX delivered on XX/XX/2019 at XXXX XXXX and asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract and I never received a response and its still reporting on my credit which it shouldn't because no one seems to have the proper documentation and accounting so this should be removed as I am not responsible for this debt. I never received validation of the account nor any notice/statement from them stating they are trying to collect on an alleged debt.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX   and Trans Union credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that XXXX XXXX XXXX bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX  andTrans Union. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC (PA)

The Department of Justice instructed you on XX/XX/XXXXabout the criminal and looting activity of this filthy lying firm to investigate their criminal activity since is a custom of those lair to defraud people lie to their own clients def-rod them and find guilty at the superior court of PA and this was done together with the criminals from XXXX the most corrupted looter organizer on this planet.I would like to inform CFPB that I establish a Non-Profit organization that will have enough money ( I have a conformation of {>= $1,000,000} NOW ). SEC, Commerce Dept. and other Banking Departments will provide help from their Alumni legal system. I also have a Promissory note for a lot more money that will be deposit once we establish a complete system that will give victims like me a chance not only to bring to court only the companies that foreclosure illegal against their property but also criminals that did their best to foreclosure in order to collect a minim bonus for defrauding people. I want to make sure that each victim have a chance now to sue those criminal organization for fraudulent foreclosures as was the case with a  XXXX year old lady for a balance of only {$0.00} and a XXXX  person XXXX year old for a balance of {$0.00}. If this is not the worst criminal activity than nothing is. I will also organize a special account so people that lose their property can defend themselves in court without any fear, Why CFPB penalize only XXXX XXXX for {$1.00} bill and did not close the doors permanently to such a filthy Law Firms?? To learn that they can defraud your property only because your name is on the Deed this to me is more criminal than any terrorist organization activity in this planet. Such Law Firm is the biggest danger today in America and I will do my best to expose them and close their doors permanently. I have a simple question for those organization that confused fraudulent mortgages. If a family sale their property and only one sign the contract is that contract valid or not? It is clear that the incompetents from this Law Firms will declare that selling contract is a valid contract because they have a marriage certificate!!!!! I will never stop until I make complete light to the criminal activity that took place inside my property for which I do not have financial obligation. I also want to mention that a Judge from XXXX  named XXXX XXXX XXXX. was sentenced to 28 years in prison and I expect that in XXXX to see the same soon. I mention in my leeter dated XX/XX/2016 about those activity.
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PRESTIGE FINANCIAL SERVICES INC (AR)

I can not get my refund check from prestige financial out of XXXX XXXX XXXX Utah. Every time I call them I get a different story. The loan has been paid off and the check has cleared the bank.
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (DC)

Last week the SunTrust Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX refused to give me change for a {$50.00} banknote because I do not have an account with them. 

As banks are licensed as a public service I think they should be required to make change ( at no cost ) for everyone. 

Perhaps the District needs a regulation regarding this matter. 

Thanks. 

Best Regards, XXXX XXXX.
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PNC Bank N.A. (FL)

Pursuant to the consumer Bill of Rights, 15 US Code 1611, regardless of the unlawful decision made I have a right to my consumer credit. Not only that, but I have a right to redress additionally having the right to service in a contract. I do not wish to be judged for any credit score or to be discriminated against considering my right to contract in good faith as relayed under federal law ( ECOA ). This entire " Consumer Transcation '' solely comes from this Consumers unlimited credit in full and Faith ( 12 US CODE sec 1928 ).

This correspondence is only for the underwriters who have access to my security ( credit application ) and have obtained my principal information to essential fund the consumer transaction hence the extension of credit is the acknowledgment thru " Application ''..
Consumer complaint received 2019-08-23
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-07-05
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. (OH)

I have made several dispute, one in XX/XX/XXXXand the other in XX/XX/XXXX for several different amounts of debt owed that was paid down, I have worked very hard to pay these account down and some PAID IN FULL The account that is in collections from a medical bill, XXXX XXXX XXXX XXXX those bill has been paid in full, my XXXX BILL also. Many of my cards have been paid with no late payments for at least 6 months. Also new cards to increase credit as suggested by XXXX XXXX/XXXX  and my loan officer. One other credit bureau I have seen my score increased because of making payments and new cards added to my account to increase my credit  score. I am working very card. I just want TRANSUNION credit score please need to reflect my efforts by increasing my credit score. Thank you.
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (TX)

Capio Partners , LLC has a collection on my credit report from XXXX XXXX XXXX of XXXX XXXX. The debt has long been paid in full ; however, XXXX XXXX still has the Collection on my credit report which is negatively impacting my credit and ability to purchase a home. I have contacted them and requested they remove the collection and was assured that they would ; however, they have failed to do so. My home lender is pulling another credit report in a few weeks so this collection - which has long been paid - needs to be removed ASAP.