davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc. (MO)

On XX/XX/2021 I attempted to make a purchase on XXXX using the zip co previously known as quadpay option. The transaction failed due to XXXX attempting to charge a lesser amount some items where backorder, XXXX attempted to recharge the smaller amount later and the full transaction was declined by XXXX. The original amount of this transaction was XXXX dollars despite zip co insisting that it was XXXX dollars. This order from XXXX was never ever fulfilled nor shipped by XXXX. 

I received and furnished documentation from XXXX showing the order as cancelled to XXXX XXXX numerous times and they continue to have a payment plan created under my name for XXXX dollars this is fraudulent in the documents that I will furnish.
Consumer complaint received 2018-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I defaulted on three private student loans ( SallieMae through Navient ) in XXXX. In XXXX I was contacted by a debt collector ( XXXX XXXX ) and negotiated a settlement on one of those loans. I am currently negotiating with the same debt collector on the other two. I checked my account balance at Navient 's website and the loan I negotiated a settlement for over six months ago still appears as due with a balance. Worried that I may have negotiated with the wrong party I contacted Navient and was informed that they do not update information for " delinquent '' loans. The operator then identified a different debt collector than the one I negotiated with for the loan and question and could not answer my questions about the legitimacy of the company I was bargaining with. When I questioned how I, as a consumer, am supposed to make informed decisions about my finances when the company that services my loans will not give me accurate information the operator repeated that this was their policy. I have two lawsuits against me by a debt collector that Navient does not identify as the legitimate debt collector for my loan. What am I to do?
Consumer complaint received 2018-09-19
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. (KY)

XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help thank you
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I went to check my BoFA app on XX/XX/XXXX and the account had a lock on it. I called and they proceed to tell me they closed my account with no warning or explanation and on top of that they are saying it will take more than a month to receive the money in my account. I have had an account closed in the past and was able to get my money immediately, taking a month to not receive my money is absolutely insane. I've called multiple times, spoken to multiple people, zero reason and no way of getting my money quicker.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (CA)

repeated phone calls by computer. I would answer phone and no one would be on the line, I would have phone calls in my voicemail that no one left a message. All the calls were identified by my caller ID so I know what one 's were from the same company. after a month or 2 of this I received a letter demanding payment for a debt I didn't owe. The next time the number showed up I would answer and no one would answer when I answer the phone finally today I just stayed on the line until someone finally came on it took a while but after getting company online they said I owed money to it was confirmed that I didn't owe any money. I felt harassed by their computer calls that I kept answering when there was no one on the phone or no message on my voicemail. This could have been solved with the first call if it had been a person calling me and not a computer
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

In XX/XX/2018 Portfolio Recovery Associates received certified letter requesting proof of original application, contract, any an all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), Portfolio Recovery Associates is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition Portfolio Recovery Associates received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since Portfolio Recovery Associates has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
Consumer complaint received 2018-07-08
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. (NV)

I disputed 23 inquiries and a chapter XXXX from XXXX Alabama with XXXX. I have done my research and suggest XXXX do the same. Over half of these inquiries were done online and in Alabama. This is the letter XXXX  sent me. Let me share this i flew to Alabama to see a investigator in refrence to Fraudulent Activities on my credit report. As a result somebody in Alabama did this. At the time i was there i visited the court house in refrence to this matter. The clerk advised to call the reporting credit bureau .they didnt report. XXXX  see my cards from detective in Alabama .Please remove these inquuries and chapter XXXX immediately. I have Nevada id from XX/XX/2012 to present. Unless my name is XXXX. There is no earthly way i reside in 2 states and work a full time job in Nevada for over 5 years. Final attempt before i hire a attorney and file suit. For damaging my credit.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

My car was deemed a total loss after I was hit by a driver who ran a stop light. The driver of the other vehicle was ticketed and his insurance company took full responsibility. However, my insurance company, XXXX, took control of the issue and, to date, has paid XXXX {$38000.00}. There are 2 more payments pending, both of which XXXX is aware, which covers the remaining balance of {$6300.00}. 

XXXX is threatening to negatively-report me to the major credit bureaus, as my " payment '' is now 27 days late. They are forcing me to make a payment on a vehicle I can no longer use ( total loss ) and of which they absolutely know that payments have been submitted and are being submitted. The {$38000.00} should have certainly brought my account " current ''. Logic would dictate that.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX opened a citi XXXX  credit card and requested a balance transfer for XXXX % promotional XXXX XXXX pay off {$2900.00} of XXXX XXXX XXXX XXXX credit card. Noticed the balance transfer was approved on XX/XX/XXXX but a week later the funds still were not credited to my XXXX XXXX credit card. I realized I made a mistake and put an expired credit card number and not my current XXXX card number into the transfer. Contacted XXXX XXXX they stated the have no money from Citibank in my name XXXX XXXX. Contacted Citibank they said money was accepted by XXXX  on XX/XX/XXXX and there isnt anything they could do but they opened a further investigation. Today ( XXXX ) recieved letter from citibank that since transaction went through they cant do anything about it and to contact XXXX XXXX to resolve. Called them got transaction Id number and XXXX still states they have no funds recieved in my name and nothing found for that transaction number and nothing they can do. Both banks saying nothing they can do but meanwhile now they both have my {$2900.00}. So now XXXX ever further in debt for no reason. Help! 
Credit card is in maiden name XXXXXXXX XXXX  transfer was made to XXXX XXXX and my name was already updated with the actual XXXX XXXX XXXX just not the credit card company yet. Just for further reference
Consumer complaint received 2018-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

on XX/XX/2018 SUNRISE CREDIT SERVICES started reporting a debt collection account on XXXX under my name that is not mine and i dont recognize for the amount of {$600.00} They are reporting false information. I filed a dispute online through XXXX  explaining that this is a fraudulent account, and is not mine and i need them to validate it .The debt collector didnt mail me any validation letter or respond to my dispute. They didnt delete the account. The account is showing on my record as updated, but no new information was added or changed, I never received no explanation for this account and no validation from them.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-07-08
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: Bread Financial Holdings, Inc. (FL)

I was advised by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, that there was suspicious activity on an XXXX XXXX XXXX MasterCard opened in my name. The account was opened fraudulently on or about XX/XX/2018 in XXXX XXXX, FL, probably in an XXXX XXXX store. 
I called XXXX immediately XX/XX/2018, on receiving their letter and spoke to XXXX ( ID # XXXX ) in their Account Protections department. He agreed to terminate the card and set aside the {$490.00} charges made on the account. He said he would send me a " Statement of Fraud Forgery '' affidavit form to complete and return. Not received as yet. 
I filed an Identity Theft Report, number XXXX. 
I filed a report with the local police I placed a 90 day Fraud Alert with credit bureaus on XX/XX/XXXX I mailed a " Disputed Account - Notice to Furnisher '' letter to XXXX on XX/XX/XXXX. 
I filed a dispute request with XXXX  on XX/XX/XXXX. Only Credit Bureau showing account so far.
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I discovered inaccurate information when checking my annual credit report. I sent the 1st certified letter on XXXX/XXXX/208 and asked Portfolio Recovery to please validate the following information. I am not asking you to verify ( as in name, address, etc. ) being correct. I am challenging the validity of the alleged debt and am asking you to send proof that I owe Portfolo Recov I never contracted with anyone that has a 1 month term and I certainly never had an account with Portfolo Recov. Please remove the comments on this alleged account. They are no longer needed. Please provide the following information within ten days from the date of this letter sent by certified mail. 

Debt Validation : 1. Proof of ownership. 
2. Copy of statement from original creditor.

3. Copy of complete payment history starting with original creditor.

4. Copy of original signed loan agreement or credit card application.

Copy of cancelled check from myself ) to original creditor Portfolio Recovery did not provide me with the verification information where I signed a contract with their company. just copies of statements from the credit card company that charged off the initial account. 
on XX/XX/2018 I sent a 2nd certified letter formally requesting a copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. 
I received a letter on XX/XX/2018 stating that my dispute has been resolved and Portfolio would not be addressing my concerns anymore. 
Portfolio has not provided me with the appropriate verification I asked for as restated in my letter on XX/XX/2018
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BBVA FINANCIAL CORPORATION (SD)

I am from South Dakota and I bought a new vehicle in Arizona, financed with BBVA Compass Bank, and they can not get me a title transfer so I can license it in XXXX XXXX. XXXX XXXX XXXX ( South Dakota ) has requested title three different times and I have called several dozen times trying to get this. I called the AZ XXXX to see if they had it on file in my name and it is but they can't release it to anyone other than BBVA Compass. This vehicle has been sitting in my garage since XX/XX/2018 and I ca n't drive it because I don't have license plates. I am tired of paying for a new vehicle I ca n't drive. 
I have read reviews on their website and apparently this is not the first time this has happened. 
Leinholder is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (TN)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against BERLIN WHEELER. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2018-07-09
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Recoveries, Inc. (FL)

I entered into a repayment plan with National Recovery signed by me on XX/XX/2018. I made two accelerated payments, per our agreement, with the 3rd payment to be paid now on XX/XX/XXXX, which would cancel the wage garnishment and start getting my student loan out of default. On Friday, XX/XX/XXXX, I received a call stating that the company is not honoring that agreement nor the payments I already made and I am considered to be in straight default and my wages will be garnished. I have given them all of my financial information including a financial affidavit.
Consumer complaint received 2018-07-07
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. (CA)

On EXPERIAN, XXXX XXXX XXXX, ACCT. NO. XXXX IS REPORTING INACCURATELY.I have tried to remedy with multiple disputes to Experian and XXXX. 
AMONGST THE NUMEROUS ERRORS OF THIS CARELESS REPORTING I AM INCLUDING PROOF THAT EXPERIAN CAN ACT ON UNILATERALLY WITHOUT CONSULTING THEIR SUBSCRIBER ... ... ... 
ON THE ATTACHED REPORT, XX/XX/XXXX PAYMENT SHOWS OK ON TIME, FOLLOWED BY XX/XX/XXXX SHOWING 90 DAYS LATE, AN IMPOSSIBILITY. 
I WOULD LIKE FOR EXPERIAN TO DELETE THE PAYMENT HISTORY IN ENTIRETY. 

ALL OF THE LATES WERE CAUSED BY XXXX AUTOPAY A SYSTEM THAT SENT BACK PAYMENTS TO THE BANK OF ORIGIN WITHOUT NOTIFICATION AND THEN GAVE ME THE LATE PAYMENT HISTORY, THAT IS THEIR FAULT. 
PLEASE FINE EXPERIAN FOR THEIR LACK OF ATTENTION TO MY DISPUTES AND PUBLISHING LATES THAT ARE IMPOSSIBLE TO ACHIEVE.THIS PYMT HISTORY HAS NO VALIDITY, ACCURACY OR INTEGRITY FROM THE SUBSCRIBER.
Consumer complaint received 2018-07-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: United Acceptance Inc. (MO)

A woman name XXXX called from ( XXXX ) XXXX and left a voicemail stating she is going to put a hold on my bank account, tax return and my properties. She didn't explain anything other than what was said before and that I should call her at ( XXXX ) XXXX. When I called the number she stated I owed over {$16000.00} for a XXXX XXXX which was repossessed that I owe a balance on. The vehicle was never repossessed and I never received anything in writing or mail from United Acceptance ( car loan company that XXXX XXXX in XXXX, mo sold loan too ) stating they were filing a suit or anything. I don't like being threatened or left threatening incomplete messages and would like for the calls to stop. They have my address so they should mail paperwork to my home.
Consumer complaint received 2018-07-09
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: CORELOGIC INC (CA)

For the last several weeks I have been talking to XXXX XXXX, a loan officer with XXXX XXXX and other companies about refinancing my mortgage loan, and Mr. XXXX asked me to email him a copy of my recent appraisal report so we can determine my equity. 
I recently obtained my credit report and saw a " hard inquiry '' was pulled on XX/XX/2018 by XXXX! I did not authorize anyone to obtain my credit report! 
XXXX XXXX called me a few days later and I asked him which credit company do they use to pull credit, and said XXXX! I asked him if he pulled my credit report and he said he will look into it, but i have never heard from him again! 
I received an email with an attachment of loan disclosures from the XXXX XXXX!
Consumer complaint received 2018-07-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to hardship financial situation and XXXX in the family at the time, it shows that I have late payment ( s ) for XXXX XXXX and XXXX. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, ACCOUNT NO. XXXX IS APPEARING ON MY CREDIT REPORT.THE LOAN CONTRACT IS FRAUDULENT BECAUSE THE SECURITY AND THE PRODUCT FINANCED HAS NO VALUE AND THE LENDER KNOWS THIS. 
THEY REFUSE TO RECLAIM THE XXXX VEHICLE BECAUSE IT WAS MANUFACTURED, FINANCED AND SOLD AS AN UNSAFE DEFECTIVE PRODUCT. 
XXXX VIOLATES IMPLIED WARRANTY LAWS OF CALIFORNIA AND MANY OTHERS. 
THEY ARE WELCOME TO SUE ME FOR THEIR FRAUDULENT DEBT. 
I CAN NOT PERMIT EXPERIAN TO BE USED AS AN ARM OF EXTORTION BY REPORTING CREDIT BASED ON A FRAUD PERPETRATED BY XXXX. 
EXPERIAN SHOULD DELETE THIS ACCOUNT OR CONSULT THEIR ATTORNEYS TO SEE IF THEY NOW KNOWINGLY WANT TO PARTICIPATE IN A FRAUDULENT TRANSACTION.CONTINUE REPORTING AND EXPERIAN COULD BE HELD LIABLE FOR FRAUD.THE OTHER PARTIES HAVE BEEN TO COURT.
Consumer complaint received 2018-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX I contacted Best Buy at ( XXXX ) XXXX XXXX XXXX. I spoke to XXXX to obtain clarification regarding my bill being assessed {$6.00} in fees/ interest. I advised I paid the bill off before due date in the amount of {$360.00} so there shouldn't be any interest assessed because my bill was due XX/XX/XXXX. He informs me that it was residual interest. I'm confused because I charged a set of headphones totaling {$21.00} on XX/XX/XXXX and made multiple payments toward the card. I could not get an explanation for if I pay the card off before due how am I assessed {$6.00} in interest. My next bill has a charge of XXXX from a purchase of XXXX are on XX/XX/18so if I pay before my billing date XX/XX/XXXX how do I have XXXX in interest. Once again I couldn't get an explanation. Generally, your suppose to avoid credit card interest by paying in full every month. This Best Buy credit card was issued by Citibank.
Consumer complaint received 2018-07-06
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. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.