davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-22
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. (MI)

I have been the victim of identity theft someone has been running my credit and trying to open multiple accounts and bank accounts I am going to place a lock on all credit bureaus please place a fraud alert on my credit report asap. The following inquiries are fraudulent and not mine : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

My Name is XXXX XXXX, my email address is XXXX and I live at XXXX XXXX XXXX XXXX, TN XXXX. I am writing regarding the handling of my personal bank information by a debt collector. 

I received a call from " XXXX '' ( would not give her last name ) from Wakefield and Associates in XXXX, TN about a {$5.00} medical debt. The call was friendly and cordial and since it was such a small amount I didn't question the validity, I told her I would just go ahead and pay it. The trouble came when we discussed payment options and fees. She informed me that if I paid by credit card the fee was over {$5.00} and actually more than the debt and I could pay by electronic check. I agreed but to my surprise she already had my bank routing number and bank account number and simply asked for me to verify the approval of the payment. This is extremely bothersome to me, I have paid for over looked medical bills in the past and it is certainly conceivable that I have dealt with this company before and given them that information to pay for a debt however, I never expected them to store my bank account information. This is concerning for a multitude of reasons and while I am ignorant of the laws regarding debt collectors storing bank information I certainly do not want my information stored. 

Thank you for you attention, XXXX XXXX
Consumer complaint received 2018-12-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

As an account holder in Navient, I have an online account for easy access, but the way they have the set-up is really hard to have much control.

In the month of XX/XX/XXXX, I wanted to add an extra amount on to my minimum payment, to pay off the loan faster, but in order to do so, I had to cancel my current AutoPay amount and reapply. Based on my payments of {$95.00}, I requested an additional {$54.00} to be added, totalling to {$150.00}. I got a notification that my request had to be reviewed in order to get approved. On XX/XX/XXXX I received a message stating the highest they could go was to {$140.00} and that I needed to sig

n up to Auto Pay online on my own accord. Navient 's online setup for AutoPay does not allow one to choose a specific amount, on the contrary, when I called, I was infor
med that my minimum payment would increase, since I had requested to add an extra amount. I asked to representative to explain how the minimum payment was calculated, to which she stated it was based on the amount I wanted to pay. I informed that to my understanding there's a difference between the minimum payment and monthly payment, and the minimum payment was consistent no matter what. She said that Navient calculates payments based on the pay off date, and the pay off date shifts based on how much I pay a month.

In the end the representative cancelled my autopay request, said my minimum payments would now be {$96.00} and everything else I pay would be extra. But in the mean time she had to wait for approval, therefore I would not be receiving interest reduction benefits and accrue interest at a contractual rate ( which since being transferred to Navient on XX/XX/XXXX has gone up from 4.780 % to 5.590 %. In addition, the in my loan term, I could no longer apply to increase payments because I only get one chance to do so, and I used it up. 

Navient has no transparency with consumers, and their online management is very poor and not detailed with loan information.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grant & Weber (CA)

Grant & Weber ( a collection agency ) is reporting on my XXXX, XXXX  and XXXX XXXX credit reports that I have a negative unpaid account charge in the amount of {$52.00} originating from the original creditor XXXX XXXX XXXX XXXX XXXX. However, I do not owe anything, as I already paid to the creditor XXXX XXXX XXXX XXXX XXXX the original amount owed -- {$50.00}. 
I have a copy of the check ( check # XXXX ) which I will upload here that was already paid to XXXX XXXX XXXX XXXX XXXX for account # XXXX. It shows clearly that {$50.00} was paid for this account, leaving a XXXX balance owed.
Consumer complaint received 2018-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have never applied for a card called XXXX XXXX XXXX XXXX, I have called XXXX XXXX and trasUnion and they have not given me an answer. Thank you
Consumer complaint received 2018-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (TX)

The subject of this complaint is XXXX.

Three weeks ago I transfered {$300.00} or so from one of my XXXX  accounts that was created separately within " XXXX XXXX '' to my XXXX   account within " XXXX XXXX '' and received an email about four days later saying that the money had been received in my XXXX account and would show up within three business days.

To date, I have contacted XXXX  via online chat, called four times, and XXXX said it has contacted XXXX directly. I still see no funds in my XXXX account. It's been three weeks now.

From XXXX, my money was withdrawn, and from XXXX  I got a notice saying the money has been received, but It just has never hit my XXXX account. XXXX says it's XXXX  's fault. XXXX  said it was XXXX XXXX XXXX.

I am contacting you so that XXXX can ensure the amount is sent to XXXX  and that XXXX reflects this {$300.00} transaction in my account.

Right now it is essentially stolen out of my accounts on account of the failure of these two banks and the intermediary XXXX.
Consumer complaint received 2018-12-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP (TN)

I fell behind on the payment because I simply forgot about the loan. Didnt receive notification that the company stated that they sent me. I ended up getting a summons to go to court. I contacted the company and made payment arrangements and was told the court date would be cancelled. This was on XX/XX/2018. I payed {$500.00} and told the manager that I would pay {$400.00} in 2 weeks time. She said that was fine. In less than 2 weeks I made that payment and was told the court date was cancelled. 3 months later I find out that they had not cancelled the court date after all and the agreed amount payment of {$1300.00} keeps changing. To pay this off I ended up paying a total of {$1800.00} which was {$500.00} more than I agreed to pay. I requested several times for a list of fees and what was I was being charged for or a copy of the judgement against me and was declined everytime. I was hung up on twice after asking what I was being charged for. I just finally paid this because I didnt want any more interest to acrue, but I think I was scammed.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

XX/XX/18 - a check for {$1400.00} was presented to the acct. It shows as clearing on that date, with an ending balance of {$160.00}. The following day that check was returned and my account was charged a {$29.00} fee for NSF. I contacted them about the issue and was told " there are things that go on behind the scenes that you can't see ''. I then asked for them to explain to me how I would be able to manage my account accurately if they did not provide me with accurate information. They did not provide me an answer, only told me that is not how it works. I contacted the XXXX  and have still not been able to speak with USAA regarding the issue. 

Fast forward to now. Last night, XX/XX/18, I transferred funds from my USAA savings account to the USAA checking account. The balance in my account prior to that transfer was just a little over {$300.00}. I made the transfer and went back into the account to make sure it was in there. The " current balance '' and " available balance '' both indicated {$1300.00}. No hold, or delay, was indicated. When I checked the account this morning, it now shows my transfer did not go in until today and the items presented came through causing a negative balance of {$230.00}, then the deposit was posted. I contacted them this morning and was again told " that's not how that works ''. The information in the depository agreement does not specify the funds would not be available immediately. The transfer information on the website said transfers between USAA checking and savings accounts were immediate. I inquired as to why my available balance would not reflect the difference between current and available. They did not provide me an answer, only told me that is not how the app works and they are sorry I was confused. 

I now am going to have to deal with the repercussions of this returned check from the financial institution it was deposited to. I am going to have multiple fees and no one seems to care that what can be seen by members is clearly not accurate. It is ridiculous for them to expect me to be okay with seeing an available balance that is plenty to cover the presented items, only to be blindsided the next day with returned items and fees. I have been with USAA for 12 years and feel they do not have members ' best interests at heart. I also have reached out multiple times today to the office of the CEO without any success. I am at a loss and feel I may need to get a lawyer involved because these business practices that are costing me money and time. 

I would love to provide you with screenshots of my account, but they have it set up so you can not screenshot the account.
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the XXXX XXXX. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.
Consumer complaint received 2018-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MO)

I purchased my home in XX/XX/XXXX. Last year I was hit with a XXXX dollar property tax bill. The previous owner upgraded the house using a pace loan and didn't end up paying the lien off before the XX/XX/XXXXtax bill. The Missouri XXXX XXXX XXXX did everything in their power to help me. They reimbursed me XXXX dollars which was the extra amount included in my taxes. My Mortgage company on the other hand has done everything in their power to keep me paying a double mortgage rate. They did the Escrow analysis last year in XX/XX/XXXXon my loan. I started paying double the mortgage because I had to get the Escrow account back to even because of the increased property tax bill. Soon after that I found documents on the XXXX County website that stated the lien was removed from the house. I sent those documents to my Mortgage company and they told me it was not enough to prove that the lien was paid off. In XXXX they said they needed a XXXX tax bill to prove that the lien was gone. Well I waited till XXXX, paying double the mortgage the entire time, sent them the new tax bill and they paid it on XX/XX/XXXX. The last time I contacted them on XX/XX/XXXX they said that my Mortgage would drop back to normal in XXXX. I just got my latest statement and they are still charging me double. At this point I have paid more money into my escrow account than I have paid in interest and principal combined. I haven't actually " lost '' any money yet but I have been living paycheck to paycheck for the last couple months and I have had to go to bed hungry way too many times because of them. The negligence and unwillingness to help customers is pathetic. I hope that no one in this state ever has to deal with this company.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I have been trying for months to get Experian to reflect the proper status of my XXXXXXXX XXXX XXXX credit card. This card was closed earlier this year, however, Experian continues to list it as open. This has caused my credit utilization to be artificially inflated and has caused me to receive unfavorable outcomes on credit applications. I addressed this complaint with XXXXXXXX XXXX, which administers the XXXXXXXX XXXX, and they submitted a request to Experian to list the XXXX account as closed. Even after receiving this, Experian refuses to list the account as closed. I have attached proof of XXXXXXXX XXXX request to Experian. I am asking CFPB to facilitate correction of this information or begin an enforcement action against Experian for their unlawful refusal to update the status of this account.
Consumer complaint received 2021-12-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have unauthorized charges on my Bank of America Visa card from XXXX and XXXX. 

I have been a Bank of America customer for 35 years, multiple credit cards, accounts, home mortgages, etc. 

Regarding these VISA charges, I contacted both vendors to resolve directly : 1. XXXX Dispute : XX/XX/21 {$340.00} XX/XX/21 {$160.00} XX/XX/21 {$160.00} XXXX agrees that I do not have an account with XXXX. They tell me that they can not reply to me directly as I am not a XXXX  customer, but that Bank of America must submit a chargeback with the claim these are unauthorized charges. The person in XXXXXXXX XXXX chargeback department expected they would be fully credited if B of A would follow up. 

Regarding XXXX : XXXX reports that Bank of America charged back one charge of {$160.00} and claimed services were not provided with no further information. That is not correct. XXXX replied that services were provided. 

XXXX reports that B of A did not explain anything about my claimthat the charges were not authorized, that I do not have a XXXX account, that it is impossible to have XXXX service where I live. Also they did not charge back all the charges. 


2. XXXX 6 months x {$24.00} XXXX claims I subscribed to XXXX. I did not. 
I asked XXXX for any record related to the their claim that I subscribed. They could or would not provide any receipt, transaction date, method, or any documentation at all. 
I asked XXXX to simply describe their claim that I ordered an XXXX when I have no such record, no messages, no activity on my XXXX account, etc. Again, they would or could not even say the basis for their claim. 

Regarding XXXX : Bank of America cancelled and replaced my Visa card when I reported the fraudulent charge from XXXX ; then the Bank gave XXXX the replacement card number which XXXX then charged a 7th time, after the fraud report. 
I think that XXXX then reversed that charge based upon my contacting XXXX myself. 

I have asked Bank of America to question the authorization. XXXX would not provide any documentation to me. ( I never authorized ). It is my understanding that the Bank never did anything at all to assist on this, they did not chargeback or question XXXX. I hope I am wrong. Today I was told the Bank had closed any claim related to XXXX. 

Today, during another 30 minutes on the phone with the bank, the fraud department told me they had declined both claims without resolving anything for me.

After almost two months, the representative told me that in fact the fraud department never contacts a vendor and investigates charges ( not kidding ). 

I was told that my fraud claim was now with the billing dispute department and I would now need to follow up with this other department if I hope for the bank to assist me. 

( please see attached letters prepared/dated XX/XX/21 that I just mailed today XX/XX/21 )
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax has not been helpful with me or my profile they are intentionally trying to damage my credit profile and my life. I have filed a lawsuit against them and they are going out of their way to damage my reputation and my credit file. They took off 2 authorized user on my account which then dropped my score. Now I can not obtain credit for my business because of this terrible act. They are being spiteful because I'm suing them.. I need some assistance in stopping this criminal act ...
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

On several occasions I have attempted to resolve a usury problem with Lowe's/ XXXX XXXX credit card. The APR on the card is 26.99 % which is preventing me from paying down the principle. It is apparent that this 26.99 % APR is usury at it's best or worst.
Consumer complaint received 2018-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX at XXXX pm I got a call from my bank BOA. They told me that they had detected some suspicious transactions and they were just making sure it wasn't fraud. I explained to them that I was at work and that I hadn't made any transfers or transactions. They told me they would take care of everything and not to worry. I have proof of this phone call on my phone records. At XXXX the first transfer was made via XXXX and at XXXX the second transfer was made. I did get confirmations on the transfers but I was working and I assumed this was what she was speaking to me about. Apparently, they were already in my account when I was speaking to the fraud representative and she didn't notice. They had emailed me asking me if I signed on to my online ID because they detected that there was a sign on from an unknown device. I didn't read the emails because I was at work and I work at a restaurant. I'm not even allowed to have my phone on me. Well even though all this happened they decided to deny my claim stating that I was the one that made these transfers. The recipients name were XXXX and XXXX. Yes not even an actual name. This is unbelievable. They warn me of the fraud then fail to protect my account and then say I did it. Now they don't want to give me my money back. I need some help please.
Consumer complaint received 2018-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (TX)

To the best of my knowledge and memory I make the following statements. Zwicker and associates ... 2 separate incidents on 2 separate calls on XX/XX/2018 in regards to myself asking about what is a " consent to release form. XXXX XXXX ... think I have last name spelled correctly may or may not have misled me. He stated that the consent to judgment was " basically the same letter " that was emailed to me earlier ( settlement agreement ) and that it would be my way to agreeing with the settlement for lower amount ... also, called XXXX XXXX lawyer and spoke to a woman. I asked her to connect me with the attorney to please explain the papers sent. She said that the papers were sent earlier that day ... ... in the same conversation she stated to me about the rule 11 and consent to judgment " if you do t sign it we will take you to court '' these statements are concerning to me. Are they to you?
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

XXXX XXXX holds a debt for XXXX. I told them and disputed that XXXX renewed my contract without my knowledge and charged me for it. I had switched to XXXX at the time but XXXX kept charging me even after my contract was up.