davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

3 years ago, I bought auto insurance from the XXXX XXXX XXXX XXXX XXXX. I was a member for several years before that 2016. During that policy year, I added my 2 children to my insurance policy, the agent did provide a pricing which made sense for our family. However, after the enrollment XXXX XXXX XXXX  sent us the monthly bill and the payment amount was roughly {$1800.00} per month for 4 of us. That was outrageous in any type of coverage. I immediately contacted my XXXX agent and XXXX  billing to resolve the pricing discrepancy. XXXX  did not provide any solutions to our payment. We did made payment arrangement to keep the coverage while shopping for new carriers or separating our children from our policy to lower the cost. After we have found another carrier, we immediately contacted XXXX   and my agent to cancel the policy so XXXX won't charge us for the 2nd month.

The past 4 months, after reviewing my credit report. I found that XXXX did place both my wife and I on collection for the amount of {$4500.00}. Then XXXX had sold that account XXXX XXXX XXXX in Southern California. I immediately took action by sending in letters to the major credit bureaus and XXXX to dispute the reporting on our credit report history. However, the credit bureaus and XXXX   did not take action to verify our concerns regarding this account. Their action had cause family worries and so many confusion.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-14
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: Experian Information Solutions Inc. (OH)

I have filed a complaint # XXXX on XX/XX/2023. I provided documentation to support my claim that Experian allowed my credit filed to house incorrect account balances as well as incorrect status. This lack of investigation of information as well as written consent from me has and daily causes me mental and physical stress.
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Citibank N.A. charged my credit card for services and fees that have been deemed at the time of charge as illegal and unfair practices to bill consumers these types of Fees. They have also overcharged interest fees as well. This illegal activities has been already decided in XX/XX/XXXX. My initial inquiry to Citibank was at XX/XX/XXXX, and my credit card had been open in XX/XX/XXXX. The years of Citibank 's deception and illegal practices in charging consumers illegally was from consumer credit card, etc., from XX/XX/XXXX - XX/XX/XXXX.  There are other acct numbers which were from the same account and the last digits are as follows : XXXX ; XXXX ; XXXX ; XXXX, etc. A few cards were supplied with different numbers over the years and changed due to security reasons ... The whole account is subject to a review. I have asked many times and filed complaints many times over the years. This company dragged their feet on the initial claim, and then did not respond to future inquiries. I have much more information that I can send you with all the billings, and I have much of the information. I am missing a few years 9of info in earlier years, but I have been trying to get additional info from Citibank NA and they are now non responsive
Consumer complaint received 2019-03-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (AR)

I first noticed payments to Navient on my student loans " disappearing '' in the summer of 2017. It had likely been happening for a long time. My fault for not paying enough attention I guess. SOME payments were showing up, and some weren't, even though I always paid in the exact same way ( online ). The money was pulled from my bank, but it was not showing up as paid on Navient 's end, and my loan amount owed was not decreasing. 

I called them, they confirmed that they had " not received a payment in three months '' despite the fact that my bank records proved otherwise. Later, they denied this conversation ever happened. I refused at that point to speak with them on the phone, but would use email only, where it can be documented, and they can't lie. They refused to discuss the loans or offer any explanation or solution, and still refuse to this day. I stopped sending them money, because I'm not paying money to have it vanish, obviously. They sent my loans to collections and confiscated my tax return ( thousands of dollars ) which I needed, because I'm poor. 

Additionally, Navient constantly offered only " forbearance '' when I had no money to pay, rather than more reasonable repayment options. Also, XXXX approved my loans for loan forgiveness, then suddenly, mysteriously " unapproved '' them two weeks later. I am 100 % certain Navient was behind that because they would not get as much money.
Consumer complaint received 2023-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX I added a XXXX card to my PayPal wallet and sent money to a friend, as I have done many times previously. I am a secondary user/cardholder on said XXXX card . On XX/XX/XXXX several transactions were attempted on my XXXX card ( these were recurring monthly charges ) I had forgotten to change the primary card on my account so the XXXX card was still set as my primary payment method. There wasn't enough money on my XXXX account to cover the charge and because it was still linked to my PayPal, the recurring transaction then attempted to pull the funds from my PayPal account. This transaction was also declined because I had no funds in my PayPal account. XX/XX/XXXX I was sent an email from PayPal asked to provide documents to prove the cards I linked to my account belonged to me and to provide proof of identity. On XX/XX/XXXX I submitted the requested proof in the form of account/transaction summaries that included my name, address, card info etc that clearly showed the accounts i had linked to my PayPal were in fact, mine. PayPal responded on XX/XX/XXXX stating that my information was being reviewed. Then On XX/XX/XXXX I got an email from PayPal saying my account was permanently limited due to violation of their terms and " suspected '' ( PayPals wording, not mine '' ) risk. I dispute this, all cards linked to my PayPal account are in my name only and/or I am an authorized secondary account holder/cardholder/user. I provided proof of account ownership to PayPal as requested however they only allow 2 documents to be submitted in a response to their request. I included a note in my response that said I will send proof of account ownership of all the cards on my account if necessary. On XX/XX/XXXX I emailed the Executive Office at PayPal and explained my situation. I asked for the limitation to be removed and if that was not possible that the money that remained in the account be refunded to me via paper check and my account be closed. I received a response on XX/XX/XXXX that did not resolve my problem and offered no further explanation of their reasoning for my account limitation. On XX/XX/XXXX I emailed the executive office again and have yet to hear back. On XX/XX/XXXX I filed a complaint with the XXXX  that ultimately did not resolve the problem with PayPal. I have a balance of {$31.00} in my PayPal account, that I can't access because my account was limited without warrant - I did not violate any terms nor have I ever engaged in risky behavior while using PayPals services or any money services, for that matter.
Consumer complaint received 2019-03-27
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. (MS)

XXXX and Transunion are reporting incorrectly that I am 120 past due on XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 past due on an account with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union ( XXXX ) has refused to disclose the amount of interest it has charged me on late fees during the duration of a personal loan. I believe this refusal is in violation of the Truth in Lending Act. 

A current balance of over {$2000.00} represents late fees and interest. The promissory note states a late fee in the amount of {$29.00} will be assessed when payments are late. However, the promissory note DOES NOT state interest will be charged on late fees or identify the interest rate. 

he amount financed was {$7900.00} and the total payments amount was {$11000.00}. Now with all principal paid I am saddled with a balance of over {$2000.00}. NOTE : I can not specify the exact amount because I can no longer access it online, probably because being able to do so would continue to reveal the daily increase in the balance because of interest being added daily on late charges. 

This complaint is a followup to complaint # XXXX.
Consumer complaint received 2024-08-30
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. (PR)

My credit report shows inquiries that I don't make, this are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX capital one data breach class action settlement. I contacted capital one to find out if I was a class member because I was never notified. I was told I was I was notified by email on XX/XX/XXXX. I did not received email notifying me about the data breach class action settlement. I still have all my emails from XX/XX/XXXX. Capital one did not properly notify me that I was a class member, I did not have a fair opportunity to join the class action lawsuit. I have called capital one and they said thats theres nothing they can do to resolve this issue.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Every month, BAC charges me too much when I only pay the minimum amount due by processing the lowest APR first. See below : " If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. ''
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (FL)

On XX/XX/XXXX I was viewing my credit report and noticed there was a collection from XXXX XXXX XXXX XXXX for the amount of {$2400.00}. I went to verify the company 's license on the State records and found no company with that name and address that was provided under the " creditor contact details '' of my credit reports. I do believe the company is legally not able to operate in the state of Florida. I also have never received any contacts or letters from this company that they were attempting to collect anything. The original company was informed in XX/XX/XXXX that the balance they were trying to collect was inaccurate and I did not owe anything. They sent some false and inconsistent documentations that had charges and totals that weren't right. The first alleged I owed {$1300.00}, the second {$1500.00} ( Note : both the first and second documentation were sent together ), the third {$1100.00}, and the fourth {$1500.00} and {$2400.00} ( on the same document ). The charges on each document didn't match each other as well as the dates and amounts. The charges were broken down on some and the amounts are all different on each document as well as the dates. I never signed any of them as I moved out owing no balance and I received consent to find a tenant from the property manager and the day I moved all balances were settled and the new tenant signed a new lease and paid all fees and rent for that month and it was her responsibility going forward. I asked the collection company to please delete the balance/collection from all credit agencies as I don't owe them at all. I'm filing a complaint with every company I can until this is resolved. I never received any information or correspondences from this collection agency and this amount needs to be removed from all credit agencies immediately.
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoza & Wexler Recovery Services (NJ)

Received a phone call identifying herself as a county server attempting to obtain signature at my home or my job In order to not process documents so I dont miss my court date. Indicated that if I dont cal their number and provide file number ( no file # provided ) court proceedings will continue without my presence. Call received from XXXX. Asked to call XXXX. Person to call was XXXX XXXX. 

When I called the number a man answered and said my husband owed them, they had several conversations. Not true. 

When told to put info in writing and send through mail, he hung up.
Consumer complaint received 2018-10-22
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. (CA)

I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but TransUnion 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

In XX/XX/2014 the rental house I was living in was sold and I had to move. At that time I had an account with XXXX XXXX. I called them and explained that I was moving to a building that provided cable tv and they did not allow satellite dishs. I returned their equipment and thought the matter was settled. I now have a collections notice on my credit reports for {$360.00}. I C Systems is trying to collect an early termination fee for XXXX XXXX. I have explained the circumstances to I C Systems and disputed the charge with the credit bureaus. They will not remove this charge from my credit reports.
Consumer complaint received 2018-10-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I had a auto loan with USAA for a new car. due to XXXX XXXX i defaulted in two payments in XX/XX/2015. i had since never missed a payment and completely paid the loan over two years ago. USAA is reporting this loan as being active so it still affects my credit report. i had for over a year tried to get them to stop doing it but they simply say they have to report everything, while this is a lie there is no law saying they have to. i have sent multiple notarized letters and made countless request for it to be fix i am still dealing with the same issue.
Consumer complaint received 2018-10-21
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: Navient Solutions, LLC. (FL)

Student loans XX/XX/2008 3 acount Reporting on all three credit companies This account was payed and close please remove from credit companies Its to old
Consumer complaint received 2018-10-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Professional Bureau, Inc. (TX)

In XX/XX/2015, I was referred by my Primary Care Physician to XXXX XXXX XXXX XXXX, and a XXXX. XXXX XXXX. 
When I filled out the new patient information sheet, I marked that my insurance required me to use XXXX XXXX XXXX for all lab work. When I saw XXXX XXXX that day, I told him my XXXX 's would need to be sent to XXXX. He stated that he preferred to use his own lab, but after about 2 months he would send my XXXX 's to XXXX. Every month when I saw him I would state again about using XXXX XXXX. He stated that he didn't like the way XXXX listed the results, and would not use them. His office took my health insurance as I only paid a {$35.00} copay each visit, but they did not bill my insurance for any of the XXXX 's. This led to a {$6100.00} lab bill. The bills come from his office, not a lab, so I have no idea what lab was used. I had one call from a collection agency for the {$6100.00}. They in turn sent it to the credit bureaus. As we are 30 days out from closing on a new home, in order to bring my credit score up, I had to pay the {$6100.00}.
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP (TX)

Linebarger Goggan Blair & Sampson, LLP is the law firm that is trying to collect an alleged debt from the city of XXXX. I have responded 5 times to the law firm asking them how and what will the city of XXXX or the law firm will take to pay this alleged debt. I am not an attorney so I can not make a legal determination so unless the law firm tells me I don't know how or what to pay the alleged debt. Linebarger Goggan Blair & Sampson, LLP should be liable to tell me how and what can be used to pay the alleged debt. Please see Title 31 section 3124 and Title 18 section 8. The law firm states they got the judge to sign a warrant because I won't pay. Not being an attorney I have several questions that the attorney firm should know, yet they refuse to answer. 

Thanks XXXX XXXX
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. XXXX Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX Apartment not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.
Consumer complaint received 2018-10-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Pentagon Federal Credit Union sent me an erroneous notice about needing flood insurance on property. Ive had a HELOC with this lender for over 5 years and was never required to get flood insurance as the property was built above a 100-year flood plain. I called the lender and after a few transfers and absence of answers for the notification, I was told to disregard it. Fast forwarding it to day, i just saw my mortgage payment erroneously reflects an increase in monthly payment by {$2000.00} ( assessed charge for flood insurance ). This puts me at a potential of not making the new erroneous payment. This is a diceitful and erroneous practice of the lender. Asking for investigation, identification of root cause, and corrective/preventive action that insures other customers are not affected by these practices.