davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The U.S. Code that discusses the timing of payments is **15 U.S. Code 1666b**. This law states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( 1 ) 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX. 
( 2 ) 15 USC 1666b : Timing of payments- House. https : //uscode.house.gov/view.xhtml? req=granuleid : USC-prelim-title15-section1666b & num=0 & edition=prelim. 
( 3 ) Dates and Deadlines Student Financial Services. XXXX XXXX XXXX 
( XXXX ) Important Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On the internet, XXXX keeps appearing, promoting their anti-aging product saying it can be tried for free, just pay shipping and handling. I finally said " yes '' to their teaser promotion but sorry I didn't read their terms and conditions because it was long and in small prints. I was billed on XX/XX/XXXX for two shipping charges {$4.00} and {$4.00} on my Bank of America ( BA ) credit card statement dated XX/XX/XXXX which I paid. Then I got another set of the products in the mail and subsequently billed for two ( 2 ) {$89.00} and two ( 2 ) {$88.00} on my XX/XX/XXXX statement, the prices of which I was not aware of since the co. never revealed them, even on their website which I viewed after I got BA 's decision. I immediately called radiant revive and BA to dispute those charges whereby BA issued four ( 4 ) claim nos. until further investigation. On XX/XX/XXXX however when I checked my on-line statement, the amount of {$350.00} was charged. I called BA who said it was my fault that I did not follow the terms of the co. and it's buyer beware. I said I was willing to send the items back since I didn't even use them but their minds were closed. I filed with the XXXX XXXX XXXX in XXXX, SC on XX/XX/XXXX but nothing came out of it. I left for out-of-the-country on XX/XX/XXXX and returned XX/XX/XXXX. During that time I kept trying to get info from either of them ( XXXX  and BA ) but was unsuccessful. I saw that BA kept charging me late fees and interest but I tried communicating by email but got no response. I couldn't call because of the inconsistency of WIFI in the XXXX. I paid {$380.00} on XX/XX/XXXX because BA kept sending past due notices so I closed my account. This lesson has taught me not to deal with BA, being it is not consumer-oriented. As a result of this incident, my credit plunged down from XXXX to the high 600 's.
Consumer complaint received 2018-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (FL)

XXXX XXXX Representative, XXXX XXXX, has been making harassing phone calls to my co-workers, supervisor, and myself at work. I have sent two cease and desist letters in regards to the harassing phone calls and asking XXXX XXXX representatives only to contact me by mail. Additionally, I have a receipt from USPS certified mail detailing they received the cease and desist letter. I was out from work when my supervisor contacted me on XX/XX/18 stating XXXX XXXX had been calling and leaving messages with my co-workers in regards to my student loan. I received another call from XXXX   XXXX on XX/XX/18, where I told him not to call me at my job, and hung up the phone. I am within my legal right to have all correspondence be through mail, but XXXX XXXX refuses to cooperate with the law and cease harassing me. Additionally, XXXX XXXX refuses to contact me with any detailed information in regards to my account by mail. However, XXXX XXXX 's representatives are all too willing to share my personal information with co-workers, supervisors, and unauthorized family and friends.
Consumer complaint received 2019-03-22
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. (GA)

This mortgage was closed and paid in full to XXXX during a refinance. XXXX is reporting the XXXX Payment Late and the Account still remaining open with a late payment history in XX/XX/2019. It needs to show closed in XX/XX/2019, and paid as agreed with a {$0.00} balance as of XX/XX/2019.They refused to make any corrections -despite the numerous calls to customer service. They also refuse to transfer me to the department in charge of credit reporting, and also the legal department.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Experian and XXXX are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by Experian to report late payments on the XXXX  Account # : XXXX, in line with U.S. Code 1666b. XXXX  NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Consumer complaint received 2018-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

I had a loan with a monthly payment of {$86.00} a month on the XXXX if each month. On XX/XX/XXXX I made a payment of {$480.00} and my regular loan payment for that month. The {$480.00} payment was entered as an adjustment and not a payment and no interest was taken off even though I paid almost 6 extra payments. When I called to inquire about why no interest was credited I was told that I paid all of the interest in the beginning of the loan. I paid the loan off a year early but was on credited about {$80.00} in interest when I paid {$280.00} this week. I was told there was no penalty to pay it off early but I paid the entire loan plus all interest but {$80.00}. I have enclosed copy of check sent to make payment and my monthly statement showing it was posted as an adjustment not a check payment.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

" " '' I have disputed this collection XXXX XXXX XXXX XXXX  for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-10-14
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: SYNCHRONY FINANCIAL (GA)

I called Synchrony bank Mastercard at XXXX. I spoke to XXXX in the fraud department. I advised her that there was an inquiry on my XXXX credit report dated XXXX from Synchrony that I didnt authorize and that I suspect fraud. She asked for my social, address and phone number. She advised that there was an attempt made and that she will report this as an attempt I didnt initiate. She advised that they would contact the credit bureaus but that it may take up to 60 days to resolve. My credit score has been affected and I would like this inquiry deleted as soon as possible.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (NE)

I have XXXX collection agencies tryingXXXXXXXX to collect the same debt. 
1. Resurgent Capital Services, XXXX, SC XXXX and2. XXXX, XXXX, MN XXXXThe debt originated from XXXX, There is only XXXX debt for XXXX. Both companies insist that their claim is legitimate and have refuse to provide any proof of the debt. 
I do not want to pay XXXX.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (VA)

On XX/XX/XXXX I had pending charges from an place that appeared to say XXXX XXXX, I already knew it was fraud because no one has access to my account or card so I went up to my bank to tell them it was fraud, I called my fraud line, cancelled my card ordered a new one, the bank told me I had to wait until the charge fully went through to file a fraud report, sounded stupid but Ive had to do it before so I waited, on the XXXX the money fully went through, I returned the fraud paperwork to dispute the transaction that exact day, my bank XXXX XXXX XXXX XXXX ( XXXX-XXXX-XXXX ) was barely doing there job and they contacted google and tried to get the money refunded, mind you, I dont have the money for my bills in my account, so Im waiting for 10 days to hear back then they say they cant see it as a fraud which makes no sense because I live in Virginia, the charges came from XXXX, I went up to my bank and told them and they said they would try to look into, cane back to me the next day and said they couldnt and wouldnt refund my XXXX dollars and I dont have time for this my money is suppose to be insured by the fdic and ncua please help me out
Consumer complaint received 2018-10-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX reported a debt on my report. I asked the top three credit bureaus to remove the debt because it is not my debt. This company reported a bill from XXXX XXXX XXXX for almost {$1800.00} that is not my debt and not even in my correct name. I have called the company and their information is not correct, they do not have my correct ssn or any other information that pertains to me ; but Experian states that they verified all the information and it is correct. This debt needs to be removed IMMEDIATELY. This is the third request and I have had enough. It is not my name, not my bill ( debt. ) I am exhausted with this.
Consumer complaint received 2018-10-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

In 2017 American Education Services applied my daughter 's payments ( I am the cosigner ) to the wrong loan. Upon receiving notices of delinquency, both my daughter and I repeatedly called AES, and were told that the payments had been corrected and that the notices of delinqency were a mistake. It continued to be a problem, but they continued to tell us that the payments were being correctly applied. Subsequently, the loan was placed in default and sent to collections. Attached are documents clearly showing that the last payment on the loan prior to it being declared in default was made on XX/XX/2017 in the amount of {$130.00}. Also attached is a letter from AES dated XX/XX/2017 stating that the payment is 149 days delinquent, which was clearly not the case. My daughter, and I, again contacted AES, but it was by then placed in default, and they refused to even discuss the matter. Presently, the loan is in collections with a company called XXXX XXXX XXXX.
Consumer complaint received 2018-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX viewed my TransUnion credit report on XX/XX/2017 and XX/XX/2017 without my consent or knowledge. 
XXXX XXXX XXXX via XXXX viewed my credit report on XX/XX/2017 without my consent or knowledge. I have contacted them directly and TransUnion disputing these inquiries and they never take any action to investigate or remove these inquiries. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized or at least known about them viewing my consumer report otherwise, I am asking that they remove these inquiries from my TransUnion file.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (HI)

bank fees for insufficient funds could not transfer money from Savings to checking to cover debits because the wells fargo app was not working. called to transfer money, was told by wells fargo that they could not do that over the phone and to go to the ATM. ATM was not working and i was not able to transfer money in time.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CLGF Holdco 1, LLC (OH)

I am formally demanding that XXXX XXXX XXXX immediately cease and desist all communication with me regarding the alleged debt. This demand includes the deletion of any negative information related to this debt from my consumer reports. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), a consumer has the right to request a debt collector cease further communication. Moreover, a consumer report is considered a " medium of communication '' as established in the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In this case, the court confirmed that a credit report falls under the definition of a medium of communication. Therefore, the continued reporting of this debt on my consumer report violates my rights under the FDCPA. I expect immediate action to rectify this issue.
Consumer complaint received 2018-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (VA)

I graduated from law school in XX/XX/XXXX. At the time, I had around $ 120k in student loans through XXXX, which was later bought out by Great Lakes. I began working for the Federal Government in XX/XX/XXXX, with the understanding that loans would be forgiven in 10 years because my employment fell under the PSLF program. I was told my loans qualified by XXXX/Great Lakes. It wasn't until early XXXX I realized my loans were not properly consolidated as Direct loans, at which time I consolidated my loans and began making payments under IBR. The loans were serviced by multiple contractors ( including at least XXXX and XXXX ). In XXXX my loans were transferred to XXXX for loan servicing. I asked for an accounting in XX/XX/XXXX so I knew how many payments I have left to make. To date, XXXX has refused to provide that information, despite repeated phone calls every 4-6 weeks ( every time I call they say " it'll be another 4-6 weeks '' ). According to their website, I have only made 24 qualifying payments!!! So, 1 ) I was lied to initially that my loans qualified by XXXX./Great Lakes ; and 2 ) XXXX can not or will not provide an accounting of the payments I made through Federal loan contractors through the years.
Consumer complaint received 2018-10-24
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. (NV)

I received a copy of my credit report and I noticed a few hard inquiries that don't belong to me, I immediately contact the companies to let them know those applications are fraudulent. Please remove these fraudulent hard inquiries from my credit report XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX  XX/XX/18
Consumer complaint received 2018-10-24
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: Experian Information Solutions Inc. (GA)

I filed chapter XXXX which has been discharged both XXXX  and XXXX have taken history off but Experian has refused to remove the old history.
Consumer complaint received 2018-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CO)

I had an invoked power of attorney over my father who was deemed XXXX  early in XX/XX/2018. I made dozens of calls to NFCU overseeing his accounts to prevent any more fraud and theft from occurring. I had a valid POA in place and the very person who had abused him financially was then allowed to take over his financial through a fraudulent document and phone calls by manipulating the system/him and calling in saying he wanted my valid POA to be revoked and to place her in control. They went with the criminal activity all along, which in essence is aiding and abetting crime. He was XXXX by two medical doctors, in a locked XXXX unit, and had no ability to make XXXX XXXX. NAVY FEDERAL should have protected his accounts by not allowing the theft to occur as I gave them all evidence prior, during and after the fact. I have continued to fight to get this money back that was stolen from my father and that NEVER should have been, had Navy Federal done their job. There is no way his financial documents should have been taken over and diverted, period. There is no question as to the FRAUD that took place. He was XXXX! My power of attorney was invoked to protect him. They not only did not protect him but have given me the runaround for the past 7 months trying to dispute this. Credit Union NAVY  FEDERAL CREDIT UNION Desired Resolution They need to take responsibility for allowing a XXXX XXXX   adult who was in a locked XXXX to be the victim of upwards of {$20000.00} in theft by a known perpetrator. They need to refund his account as they ALLOWED the theft to occur. They did not do their background check and erroneously took part in this crime and argue that he should be held responsible. 
While this is not technically Identity theft per se, it is similar, as the person who stole form the account holder impersonated herself as some one who should be given the POWER of Attorney under false pretenses. She knowingly and willingly knew she was not to touch any of his financial accounts. She had just been deemed to have exploited him in a state investigation for elder abuse. This was all conveyed to the NAVY FEDERAL credit union, along with phone numbers and documented paperwork. She in no way had any notarized power of attorney, had not revoked mine and no authority to take over his funds and steal from him. The fact that NFCU is in my opinion a crime, as I worked tirelessly to protect him and what they did is not only help the perpetrator but force me to get an emergency court injunction, adding thousands of dollars in legal fees.
Consumer complaint received 2019-03-27
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. (AL)

Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 120 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.