davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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. (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 XXXX XXXX XXXX XXXX Account Nunber XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX  Account Number 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 a account without my written instructions.
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I resumed payment of a Parent Plus loan after the Covid pause ended in XX/XX/year>. The new servicer of my loan, Nelnet has been improperly crediting these monthly payments since then. They are crediting the full payment to a portion of the accrued monthly interest and the rest to principal. I have repeatedly requested that they pay the full amount of the accrued interest each month from my payments, not a portion. This method of repayment has resulted in an increase accrued interest and negative amortization. In addition, there is now {$14000.00} in capitalized interest in my loan balance. 

I have made five verbal requests and one written request for this to be corrected. I have filed two complaints with the Department of Education and they keep passing it back to Nelnet. I am looking for your agency to help me stop this financial fraud.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (AZ)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX  XXXX account # 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 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

Over the past month, I have tried to make over XXXX payments from my business checking account. Every single time, Chase : 1. does not contact me 2. declines the payment 3. calls people whose phone numbers are NOT on my account and who are not authorized to speak on behalf of the company 4. gas lights me when I call to speak to fraud 5. tells me the payments are fine and will be processed 6. subsquently cancels the payments ( without contacting me ).

7. when I call for help, they put me on hold for 45 minutes and then hang up I have all of my calls recorded and phone logs. I will be proceeding to court as it is illegal for Chase to withhold my own money from myself.
Consumer complaint received 2024-09-30
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 reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (SC)

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME TAHT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXIST. NEED THIS REMOVED I HAVE DISPUTED THIS ACCOUNT SEVERAL TIME AND XXXX TAKE IT OFF OF MY CREDIT AND THEN THE CREDITOR PUTS IT BACK ON MY CREDIT AND SAYS THAT IT IS ACCURATE INFORMATION. 

I DO NOT HAVE ANY KNOWLEDGE OF THIS DEBT AND I WANT IT REMOVED XXXX XXXX SOLD MY PERSONAL INFORMATION TO A THIRD PARTY COMPANY WITH OUT MY CONCENT TO GIVE MY PERSONAL INFORMATION OUT EXPECIALLY MY SOCIAL SECURITY NUMBER, DATE OF BIRTH, ADDRESS AND STUFF! THEREFORE I AM NOT RESPONSIBLE FOR THIS DEBT CAUSED BY IDENTITY THEFT. 

I HAVE NEVER EVEN HAD XXXX XXXX. SOMEONE STOLE MY INFORMATION.
Consumer complaint received 2024-04-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (FL)

I have a inquiry that is on my credit report that I have no idea what it is or how it got there so I'm immediately curious about the fact of it being on my credit report. So I'm reaching out to you because I know that it has to be some kind of fraud..
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

They unlawful repo my XXXX by XXXX XXXX XXXX XXXX XXXX which my attorney had ask them for documentation they needed to send to XXXX XXXX. Which they fail to do! They repo the car back in XXXX of XXXX In XXXX they report on my XXXX that they flagged my account on XXXX which the account is now close. I have the FTC report and they are reporting to XXXX and XXXX as open. But on my account for XXXX they have the account close!! Which that violation to the c consumer law anything that is closed its supposed to be reported to all three credit beers that the account is closed as credit acceptance is still reporting to XXXX and XXXX as account is still active, which the account is closed.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Had a credit card with Wells Fargo for a number of years. Never used for large amounts and usually paid off each month. I began using my credit union almost exclusively for checking, savings, investments and credit card so began closing accounts with other institutions. In XX/XX/year>, I went into the Wells Fargo branch on XXXX XXXX in XXXX XXXX, XXXX, paid off the balance I owed, and handed my credit card to the teller and told her to close this account. A supervisory came over to advise, and saw me surrender the card and pay off the balance. Both understood I intended to close the account. 

After a few months I began getting bills for this account. I called a couple of times to tell them it was closed but was ignored. It was then I found out they had ruined by credit rating by reporting the alleged balance, which kept accumulating charges, was still unpaid. They were still accepting charges to an account that had been closed in XXXX! 

Now, due to a critical death in the family I must sell the family home and return to live near my daughter. I am trying to get approval to move into an apartment. But my credit rating has gone from Very Good/Excellent to Poor because Wells Fargo can't be bothered to do what they said they would do in XXXX. 

They are known for horrendous customer service but I never before had too many problems with them. 

THIS IS OUTRAGEOUS.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have been a customer since  XXXX    XXXX   and paid annual fees on my business credit card every year ; I had  t  hree Capital One c redit cards in total. My Spark account number ends in  XXXX . On Thursday (  XXXX  ) morning I was declined for a purchase in  XXXX , OH while on a business trip. I learned that  Capital One h ad closed all three of the credit card accounts. Front line customer support will not provide any information. The  Executive Relations office also would not provide any information.      The mailed letter on the  XXXX  card says " We have observed activity on a past or present  Capital One  account that is not consistent with our expectations of usage for personal, family, or household purposes. '' This  XXXX  card is a business account, so the reason does not make sense. The mailed letter for the  XXXX  card contradicts this first letter and states " We have observed activity on a past or pr esent Capital O  ne  account that is not consistent with our expectations of usage for commercial or small business purposes. '' This card had not been used for over  five ye  ars, so again the letter is non-factual and n on-sensical. The third, most recently opened  XXXX  card did not receive a letter at all and was closed.     Aside from not providing a valid reason for the credit decision to close my accounts, I was told by a phone rep that the rewards for my pending charges would be made available for redemption. I had a charge on  XXXX   XXXX  that posted on  XXXX   XXXX  for which the 2 % cash back was not made available. The amount of the charge is {$9500.00} and the cash back should be {$190.00}.     I called several times to try to resolve their failure to honor the cash back on this purchase. During this time  Capital One  charged me a {$39.00} late fee and {$41.00} in interest charges while it researched its own internal failure. I paid off the balance on this and all accounts, and I have a long history of 100 % on-time, full balance payments.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

For several years I have tried to resolve the issue of attempting to sign in to my Equifax account and being met with " We are temporarily unable to complete this request ''. I have requested several times over the phone for help fixing this and have always been transferred around and to supervisors ultimately resulting in nothing getting fixed. They have told me they would email me several times with information to get it fixed and never have received anything. This is apparently a common issue with Equifax with tons of people trying to fix the same issue online.
Consumer complaint received 2017-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

I took out a auto loan with ally auto bank and since I been with them they been charging me high interest fees and when I called to have them explain the break down of my payments they could n't tell me how the interest was being calculated and more than half of what I pay was going to interest charges and nothing towards my car payment. I asked to speak to a  manager a nd the agent refused to transfer me until she said they are not available and someone will contact me within 48-72 hours, which no one called me back. It went on to where I lost my job and was behind on my payment and I told them my situation and they did nothing to help me. They also repo my car without sending me a notice. I called them to find out how and where to get my car back and they did not know where my vehicle was. They gave me  2 wee ks to retrieve my car paying the full amount before they sell it at the action. I made that payment before the given date and when I called to go pick up my car they said they did not know where it was and gave me a number to call the action. I called the action and lucky they did have it already in another city an hour away from my house and ready to be sold. They made a key for it and everything and ally charged me {$300.00} for a key that did not work. Since that I try to contact ally everyday about the issues I have and I keep getting agents from outside the country that keep telling me a  manager will call me back and they will put a note on the account and to this day I still have n't got to speak to a manager ne ither did anyone call me back. If I would have known that they were this bad as a company I would have never financed a vehicle with ally auto bank. I would just like to get my money back and return the vehicle because I feel like I am being robbed.
Consumer complaint received 2024-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (CO)

On XX/XX/year>, I was turned down for a loan that would have allowed my spouse, XXXX XXXX to undergo potential lifesaving XXXX experimental XXXX treatment at MD XXXX. I have had perfect credit my entire adult life. With a XXXX XXXX XXXX, I reached out to the credit reporting agencies. I found a collection on my credit which lowered my score XXXX points. The collection was reported by Conserve Collections. First, I have never received a letter nor a phone call or email from Conserve. A letter, phone call or email is required under the FCRA. Second, I had no idea what the debt was for and disputed the debt. I discovered the debt is from XXXX XXXX XXXX XXXXXXXX. The debt as reported is not an amount I owe, moreover, under the Colorado XXXX, all student debt is in forbearance until the XXXX is complete. I do not owe this debt, the debt is proven to be the wrong amount of any tuition I would have had and I was never notified of any collection efforts by XXXX or Conserve Collections as is required by Federal Law FCRA.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX " RED FLAG '' Inaccurate reporting of my Recent XXXX  XXXX Bankruptcies again they are leaving settle debt on credit reports and causing me pain and suffering upon applying for credit. This account was included in my XX/XX/year> XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and has already been discharged 3 months to date! The XXXX  account was not delinquent during the filing process Why is XXXX? XXXX ( XXXX XXXX XXXX XXXX still reporting a Balance of {$160.00} ( it should be XXXX ) and it should have ceased in XX/XX/year> the month of XXXX and not to continue to display in box XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc. (CA)

I have a mortgage with BSI Financial. They have failed to apply my last XXXX payments to my account. In XX/XX/XXXX they apologized and said they can see my payments and they were held in another account. They apologized and transferred the payments. I have no other account. Today, XX/XX/XXXX I called and spoke to XXXX the BSI representative and she said she can already see the issue before I even told my story. She said their systems are not communicating with each other. She said she was taking my payments and applying them to my account. I also asked about the late fees being imposed. She placed a request for removal. My issue is that I pay my payment in advance. What about the person ( s ) that do not check or have the ability to call or email like I have done. If there is a system issue affecting thousands of mortgage holders and they are charging late fees for payments that are actual made are they not preying or stealing from the consumers? I want BSI investigated for illegal practices related to this issue. It seems like a game that once they are caught they just apologize and say sorry. Yet, I have to call and fight for something I already did. Plus, they are charging late fees for things that are not late. Something is devious in this behavior/practice. Please help the consumers.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX, XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OK)

I moved to Oklahoma in 2019. My wife and i rented a home and signed up for internet service at our address at XXXX XXXX XXXX  in XXXX Oklahoma. 
We received a wireless router but the router was not working properly. 
We went to the store at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to return the defected device and were given a new one in exchange that actually worked. 

Fast forward 3 years later and we returned the device as we moved. 

This company then says we still owe them money for the first device and stated that we never returned it. 

( We would never have been able to exchange the device if that was the case. ) They have since put the account on my credit report. I have tried numerous times to get this resolved but to no avail.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC (CA)

On XXXX I had a flood in my home, and I notified my insurance co. A repair man was sent to my home to check where the leak was. On XXXX the repair man, representative of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX  came to my home. I was presented with contract which I believed was to set up fans and humidifiers to dry the area. 
I was told that I needed to sign this contract for work to begin, the contract was not explained to me. I was emailed an invoice for {$1300.00} for consulting fees. I also was emailed an invoice from XXXX XXXX XXXX for {$12000.00}. I do not owe this money because I did not receive these services, the only service that was done was drying the affected area, which my insurance paid them {$1800.00} direct to XXXX XXXX XXXX. I was contacted by XXXX, XXXX XXXX XXXX on XXXX for {$1500.00}. I do not owe any of this monies and will not pay them. I believe this FRAUD and ELDER ABUSE. 
Respectively, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

So there was a charge off on my credit report I had. disputed this account multiple times. I didn't get any recourse. I. got in touch with the creditor at Wells Fargo. I was able to get in touch with the management the higher ups. Once I got in contact with them, they sent me the documents stating that if I make this settlement payment of {$5700.00}. they would zero out and remove. this account from the credit report that would make my credit go back into good standings. This is the only negative account that is on my credit report currently. It's like I do my part and then they dragged their feet with doing what they said they were going to do. All I'm saying is I have a XXXX  full of all proof and documentations that they stated that they were going to do things and. when it comes to this last thing that they are supposed to do, they have not done it. The account is not zeroed out. It has not been removed. It has not been updated nothing. So I am still currently waiting for them to do so.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

In XX/XX/year>, a payment to XXXX XXXX was incorrectly reported as late to the credit bureaus. Upon discovering this error, I contacted XXXX XXXX to dispute the late payment. I spoke with a manager who agreed to submit a dispute to the credit bureaus to correct this error. However, as of today, I have not received confirmation that this dispute was actually submitted. I have made multiple attempts to follow up with XXXX XXXX 's customer service to verify if the dispute was submitted as promised. Despite these efforts, I have not received clear confirmation that the necessary steps have been taken to correct this error on my credit report. This incorrectly reported late payment has negatively impacted my credit score. I am seeking to have XXXX XXXX follow through on their commitment to submit the dispute to the credit bureaus and to have the late payment for XX/XX/year> removed from my credit reports.
Consumer complaint received 2022-11-08
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. (FL)

I reached out to the company to have the report updated and no change was made I disputed it with XXXX to verify the balance and they reported the balance as verified. I have a letter from the company dated XX/XX/2022 that the account is paid in full. XXXX did not conduct a proper verification.