davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS 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 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I had been with XXXX for my student loans for approximately four years, until I applied to the public service loan forgiveness program in the summer of XX/XX/XXXX. I am currently employed by a county government. I wanted to see if my payments qualified under the PSLF. This apparently automatically initiated XXXX to take over my loans beginning in XX/XX/XXXX. When this occurred, I set up my account with XXXX, including automatic direct debit. I even received an automated e-mail from XXXX saying " This is a reminder that you have an upcoming payment due -- but no worries! You 're enrolled in our Direct Debit service so the payment will be automatically withdrawn from your bank account. '' Several days after this payment was due, I got an e-mail from XXXX notifying me that my payment was late. I logged into my bank account and XXXX account and nothing had been posted. When I called their customer service line I was notified that their system takes 4-6 weeks for direct deposits to begin clearing. I explained that I had received an e-mail from their system stating that the payment be automatically withdrawn. No one at XXXX ( and I spoke to three different levels of customer service ) would take any responsibility for this error.

Additionally, when my loans were transferred to XXXX, a month in my payment was skipped. I believe the interest continued to accrue, and as a result my monthly payment went up by approximately $ XXXX/month. The customer service representatives did not seem to understand that the extra $ XXXX/month was not the problem for me -- I could afford $ XXXX/month -- but that over the term of my loan, that " missed '' payment resulted in a substantially larger increase in the total loan payoff.

I was notified approximately two months later that none of my payments were qualifying for the PSLF program. This program was the entire reason that I applied, and that my loans had been switched over to XXXX. Whenever I have tried to contact customer service I have had to speak to at least three representatives, all of whom try to pass off blame to " the computer system '' or on other employees, and have been singularly unhelpful.

More recently I have sought to adjust the term of my loan from a 20-year repayment program to the remainder of what would be a 10-year repayment. Their website offers misleading, and I would claim predatory, advice regarding the total interest and payments resulting from fixed vs. graduated monthly payments.

Every time I end up on the phone with XXXX to seek clarification about why a payment was not processed, or why they took an extra month to begin accepting payments on my loan, or to ask for a status update on XX/XX/XXXX tax documents, it is a very long wait to reach an operator, and then the customer service is not helpful either.
Consumer complaint received 2019-12-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

XXXX, I Have AutoLoan With Ally Bank On A XXXX  XXXX XXXX, I made a partial payment on the loan and requested a one month deferment do to change of employment since then I have not received any type of understanding from Ally I have been hit with late fees past due payment on my credit reports .I also went to dealership XXXX XXXX only to find out that the vehicle dealer had sold out and also added the amount of previous vehicle that they bought from me to the total amount financed through ally, this is unfair pratices bye all parties, now my credit has been put in jepordy and I have been threatened with repo and bad credit
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a business checking account with Bank of America in XXXX of 2017. I do not recall ever being asked to opt-in to overdraft protection, in accordance with the overdraft protection law. I was given the option to opt-in to something the bank called " overdraft protection, '' which I declined. Family health issues caused me to step back from my business for several months and I incurred more than {$1000.00} in overdraft fees. During the course of trying to address this with the bank, I learned that what they call " overdraft protection '' is really just the option to link some other form of payment to my account. I spoke with several customer service rep 's before talking with a supervisor named " XXXX '' in XXXX. He told me that the default setting on all business checking accounts is for them to cover overdrafts, at their discretion, and then charge a {$35.00} fee for each transaction. This, he said, is why they had charged me more than {$1000.00}. I told him that this seemed to be in conflict with the Overdraft Protection Law and that their word-choices seemed a clear-cut example of deceptive marketing. He refused to explain to me why the law, seemingly, was not applied in this case, how I could keep from incurring fees ( other than by telling me to change my notification settings ) or why their definition of " overdraft protection '' was different than the layman 's version ( and that contemplated in the law ).
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in accordance with the Fair Credit Reporting Act Convergent XXXX XXXX Account 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Rent Recovery Solutions (GA)

I contested an apartment Community billing amount of {$3000.00} in XXXX where Judgement was for me to pay {$830.00}. Property Manager immediately sent {$3000.00} to Collections Agency called Rent Recovery who listed the {$3000.00} with all XXXX-credit bureaus. On XXXX XXXX, XXXX, I contacted the manager of XXXX XXXX XXXX where the Manager adjusted the amount down to {$1900.00}, and he forwarded this Corrected amount to Rent Recovery. Problem : Rent Recovery has failed to submit the Corrected Balance of {$1900.00} to the credit bureaus. I have requested a Corrected Billing from Rent Recovery, but have not received it. Rent Recovery says their requests to generate this new document was made 3-4 times and that I should have it. Now Rent Recovery has said they Do Not Generated Corrected Billings or Settlement Letters. I need a True Balance Bill to verify the Corrected amount I will be required to pay. Rent Recovery is rude and will not confirm that they have sent any updated billing to me or the credit bureaus as they stated.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (NY)

Having multiple credit cards, I gave discover the wrong passcode to my account. They immediately transferred me to the fraud department, without my knowledge. All of a sudden it went from courteous service to someone who was brief and dismissive. The personal questions they asked about my life are pulled from public records and they were not accurate. So they continued to lock my account despite them having incorrect information. I was finally able to activate my card but I felt such a difference in service when transferred to the fraud department. While Discover 's goal may be to put the customer first, they clearly do not treat all customers equally. Furthermore, their disinvestment in technology systems which could speed up the credit card activation process is eye-opening. They could not verify me by sending a passcode to my phone or email.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

I spoke with a customer service representative she was unable to provide me supporting documentation that the account belong to me nor was she able to provide detailed information of the original creditor. I informed her this account was not my account and requested it to be removed from my consumer file immediate, its been well over 45 days no response from the collection company or the credit bureaus.
Consumer complaint received 2019-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

This morning I received an email informing me my account has reached XXXX dollars and I immediately checked my account because I was horrified only to discover my account was negative {$89.00}!! I was confused as to how this could be .... so I investigated and found a check was arbitrarily placed on hold I never received a notification the checked was on hold until today XXXX morning and now Im afraid this may cause me to fall into deeper debt with WELLS FARGO BANK
Consumer complaint received 2024-11-16
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. (IL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$0.00XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$280.00} XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want XXXX XXXX. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to XXXX XXXX because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from XXXX XXXX! 

I never had a loan with XXXX XXXX. Since I dislike XXXX XXXX, I refinanced with XXXX XXXX XXXX. Experian had informed me that I could write a note on my credit report and disputed it. I told Experian that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to XXXX XXXX. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? Experian obviously lied to me. 

Furthermore, I never gave permission that XXXX XXXX could obtain my credit information and never authorized a loan with them. This needs to be illegal!
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

My dispute is not that I owed a debt, but rather the 14 money order payments made, yet not given credit for. As of XX/XX/XXXX, co attorney in this case, XXXX XXXX contacted me to inform me that I should stop mailing my payments to XXXX XXXX XXXX, XXXX, MI XXXX, but starting with my XX/XX/XXXX payment I should send them to : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. For some reason, 14 payments have not been credited, yet after spending over {$200.00} in XXXX XXXX tracer fees, all but two were cashed by this company XXXX XXXX aka XXXX XXXX, XXXX XXXX or EVEN XXXX XXXX XXXX? I question this company 's ethics and bookkeeping practices and hope you can help me get a fair shake here. I had a payment plan in writing way back on XX/XX/XXXX, but with this mishap caused me to appear like I was in default when really not so. It did give this collection agency an excuse to empty my bank account unfairly. Back in XXXX of XX/XX/XXXXI questioned XXXX XXXX about 'why garnish my tax return when we already had a payment plan agreement in place and he agreed to drop the garnish, filing the required papers of Garnishment Release on XX/XX/XXXX. He agreed that several payments had been lost or unaccounted for, but later found more accurate records. From XX/XX/XXXX through XX/XX/XXXX some 14 money order payments were cashed by this company, yet not credited properly. Then on XX/XX/XXXX this unethical company reached in and helped themselves to {$1800.00}, unfairly, in my opinion, claiming default. A convenient coincidence or just to large to be efficient? I disputed their garnishment tactics last year on XXXX XXXX, but the Judge said 'bring proof of payments made, but not credited '. Again, I objected and will return to Court on XX/XX/XXXX with all the proof I need. We appear in front of the same Judge so this time around I hope fairness will be supported by facts. Should I subpoena XXXX XXXX? I do n't mind paying what I agreed to, but hate being cheated, as most people do. Please help if you can. 

Thank you and best regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (WI)

XXXX XXXX XXXX is reporting that I owe {$3500.00} to Citibank. I called Citibank, who I never had an account with and tried to find out what was going on. Citibank checked their system using my SSN and verified that I have never had any accounts or credit cards with them, and that I don't owe them anything. Citibank said that they can not send me anything proving this information because I do not have an account with them. I tried writing a letter to Citibank as they requested, and there telling me that the letters have not been received. I called XXXX to figure out what I needed to do, and they told me to contact you. Please Help.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EQUIFAX, INC. (FL)

Equifax and XXXX conspire together trying to collect DOUBLE of an ALLEGED debt!!! 

XXXX XXXX XXXX {$4400.00} {$4400.00} XXXX accounts reported on XX/XX/XXXX XXXX accounts reported on XX/XX/XXXX Open Account # XXXX {$1000.00} Balance XXXX XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note You recently filed a dispute for this account. 

Check Status Open Account # XXXX {$1000.00} Balance XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note See something wrong? 
You could dispute an error with Equifax. 

CAN I SEE THE PERFORMANCE CONTRACT WHERE THEY ALL CONSPIRE TOGETHER,?? WHO IN THEIR RIGHT XXXX MIND WOULD PAY THOUSANDS OF DOLLARS TO THESE XXXX CRIMINALS WITHOUT SEEING A VALID CONTRACT???? I NEVER SEEN SO MUCH XXXX IN MY LIFE!!!
Consumer complaint received 2016-11-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: GFS II, LLC (OH)

XX/XX/XXXX I asked for hardship assistance with my car loan. I was told to make an XX/XX/XXXX payment and then we can apply me for a deferment to assist me. I did that. I never received deferment papers as promised. I am requesting a two month deferment on my loan to get caught up. My fiance ( also on the loan ) lost his job XX/XX/XXXX. He did not regain employment until XX/XX/XXXX. He has maintained that job and I would like to get caught back up. I just spoke to Gateway ( supervisor XXXX ) who refused my payment arrangement of {$500.00} on XX/XX/XXXX my next pay date. I have to pay my rent with this check that I just received as my rent is due on XXXX with no grace period. I explained the situation and was willing to add on {$100.00} to each payment but he refused my arrangement. They want a payment today or they are threatening to take the vehicle which will only further complicate the situation as my fiance will lose his job. He has to have the truck for his employment. All I was asking for was 11 days. Also, it should be noted that their website is not user friendly and to find the log in screen, I had to be guided just now by XXXX. I thought there was only a payment option ( one time ). I had no idea I was this far behind on the loan. It has been a nightmare dealing with Gateway. They do not have friendly hardship assistance for customers. Why just because I have a subprime loan are they making it harder on me? I feel like this company is benefiting from taking back vehicles from customers. They are being unfair and it was deceptive that I am just now finding out I am 3 months behind on this loan! I have received NOTHING by mail alerting me to this fact either! Normally you would at least get a notice by mail ( certified mail ) that your vehicle is about to be repossessed. I need help in dealing with this poor loss mitigation practice. A two month deferment would get me back on track.
Consumer complaint received 2019-12-20
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. (LA)

While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX  XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.
Consumer complaint received 2019-12-20
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. (LA)

While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX  XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.
Consumer complaint received 2019-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Opened an account with XXXX for my daughter, was going to open one for me, but found out my phone was not compatible so cancelled the account. Began receiving email bills from XXXX for the account that was closed before ever using, continued receiving, called and contacted XXXX multiple times, they said the account didn't exist, continued receiving, went into a XXXX to confirm the account didn't exist, then received Collection Notice for the amount from I.C. System, reference no. XXXX. Contacted them, have received no response, so I am submitting a claim. I have very good credit and don't want this to adversely affect it. Thank you.
Consumer complaint received 2020-03-18
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: U.S. BANCORP (OH)

On XX/XX/2020, there were fraudulent transactions made on my credit card totaling {$300.00} at XXXX XXXX XXXX XXXX, XXXX, Ohio. Upon discovering my card was lost and fraudulently used, I immediately contacted my card issuer ( U.S. Bank ) and reported my card has been used without my permission. US Bank opened a fraud claim, and within days they issued a decision and stated no fraud had occurred and said that I'm liable for the fraudulent charges! I've made numerous calls to customer service to resolve this matter, but to no avail. They said I have to pay for these fraudulent charges because they don't believe fraud has occurred. I DID NOT AUTHORIZE ANY OF THESE TRANSACTIONS. My card was lost and used without my permission. Please help.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CA)

My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
Consumer complaint received 2019-12-20
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.