davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION (IL)

I currently have a navy federal secured credit card. I have been using my credit card from navy Federal to pay for a car rental from avis. My nfcc has a limit of XXXX and the hold that was placed was approximately XXXX dollars. I can't view on my account on what dates the hold for the rental car was placed not removed. When I asked navy federal why my XXXX dollars disappeared and never returned to my account, I was told I was over my card limit. How is this possible to be over the credit limit/overdrawn when I can only spend what is loaded to my card? My current balance is XXXX. When I made a transfer for XXXX to pay for another rental contract immediately navy federal took XXXX from my transfer. Therefore I only have XXXX in available credit. I spoke with a XXXX  and XXXX and I was not given an answer and neither could provide any dates for my previous holds being removed for the avis deposit. I asked for the manager of the csm to call me back and 72 hours later no manager has contacted me.
Consumer complaint received 2020-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (GA)

I am the holder of a credit card that was issued by Wells Fargo. Upon becoming learnt in the law and the rights afforded to me as a consumer I realize that there is a high possibility that there is a breach of contract/agreement. On XX/XX/2019 I sent by certified mail a billing error dispute ( affidavit ) which I have proof of delivery through my return receipt. Wells Fargo did not provide response of evidential value to my billing error dispute nor any of the other affidavits that I had sent by certified mail. Please see copies of all correspondence that was sent to Wells Fargo. Am requesting you assistance in clearing up false information on my credit report.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NY)

I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my Fed loans are XXXX and 160 days late but there are no XXXX or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

On XX/XX/2021, I received a letter from Citibank ( see attached ) about an account that was attempted to be opened but was unable to due to the bank 's inability to verify credit information. I contacted Citibank at XXXX on XX/XX/2021, to advise them that I had never tried to open an account with their bank and that it was a fraudulent application. They apparently had all my personal information including my SS #. They said they would turn it over to their ID Theft department and gave me their number at XXXX to follow up, along with this contact information for the FTC.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX  N. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

Over the last 2 years I have paid my minimum payment via the Pay as You Earn program, with my current student loan service provider. On months where I am able, I make additional payments above the minimum amount due, in effort to payoff my loan quicker. 

For the last 6 months I have seen that the additional payments I made have only been applied toward the interest balance, and nothing toward to the principal balance. I am not clear as to why any additional payments made above the minimum amount due would not be applied toward the principal balance. Also it does not appear that any portion of the minimum payment is being applied to any portion of the principal balance. 

I first tried to reach the service provider via email on XX/XX/2020 via their online portal with no response. I made a call to the service provider on XX/XX/2020, and spoke to someone who explained it is their policy to apply all payments toward the interest, and that I could not apply any payment toward the principal balance, until the interest is paid off. What was not made clear is how the principal goes down, if all I am doing is paying interest, which keeps getting added on monthly. 

The provider could not explain the policy or how this works, nor how I would ever be able to payoff my loan. I tired to equate my situation to auto loans and home mortgages that are paid ahead, where additional payments can be applied to the principal balance of the loan, so they can be paid off faster. The service provider could not explain and continued to say that all payments are applied to the pending interest.
Consumer complaint received 2020-03-30
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. (OH)

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-03-30
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. (OH)

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX  and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX SQ XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, TransUnion & XXXX  were sent a Identify Theft Report Dated XX/XX/2020. I have heard from their results in this matter. I sent them a copy of police report, copy of the items that were fraud. Very detailed list of the items listed in each bureau. Not sure what else to do other than to keep sending out letters explaining the circumstances. 

XXXX  had a data breach that I was included but yet they still refuse to remove negative items that were listed as fraud from account. 
Transunion too.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (NY)

I currently have a 3 year lease with Kia Finance Company, due to the international pandemic occurring due to COVID-19, my husband was laid off of work. We are currently supporting ourselves and our child on one income as we await unemployment benefits for my husband. I called Kia to request an extension on my monthly payments and explained the situation. The representative informed me they are only offering assistance to the person holding the lease if they fully lost their job and will not lower my payment or provide me with an extension to pay. I requested to speak to a manager who was not available to speak with and was told I would receive a call back which at this time I have not received yet.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (PA)

I have made lump payments and now with the virus both me & my husband ate out of work for at least a month & can not work from hone. I work at a XXXX  & my husband works in XXXX. I cant get a live person or an email from them to help. I have XXXX children and need help
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MD)

The purposes of this complaint are to : ( XXXX ) inform LoanCare and/or XXXX XXXX  XXXX  that I went to settlement on XX/XX/2022 and sold my home at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the buyer, XXXX XXXX XXXX XXXX XXXX ) request that LoanCare cease all further foreclosure proceedings since the home has now been sold, ( XXXX ) request that LoanCare remove my former attorney, XXXX XXXX  name and office address as the primary point of contact for my account. XXXX XXXX office address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Her cell phone number is ( XXXX ) XXXX and her office number is ( XXXX ) XXXX. Please note that XXXX XXXX is no longer representing me since the Declaratory Judgment and Order Quieting Title was issued by Judge XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. ( XXXX ) request that effective immediately, all correspondence from LoanCare and XXXX XXXX XXXX should be sent to me at XXXX Smooth XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I can be contacted on my cell phone number at ( XXXX ) XXXX and by E-Mail at XXXX ( XXXX ) request that LoanCare remove the cease and desist notice from my account, ( XXXX ) request that LoanCare remove all fees and penalties from my account retroactive from XX/XX/2022 to present due to submission of my previous request for forbearance on XX/XX/2022, ( XXXX ) provide a copy of my mortgage loan payoff statement to me by E-Mail at XXXX and ( XXXX ) provide two separate invoices for attorney fees, one related to the XXXX XXXX XXXX and a separate invoice related to the foreclosure that was prevented by the sale of my home on XX/XX/2022.
Consumer complaint received 2020-03-30
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. (OH)

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX SQ XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Collections, Inc. (OR)

Cascade Collections in XXXX, Oregon state in written form ( XX/XX/XXXX ) that a debt of {$820.00} was owed and that if I didnt pay or respond by XX/XX/XXXX that I may be taken to small claims court.

The actual amount owed was {$660.00}. Collection agency stated above, lied about the amount owed. Ive paid the debt in the amount Cascade Collection falsely claimed I owed under the assumption that I may be taken to court otherwise.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. THIS IS MY FINAL REQUEST. 
After previous disputes I disputed the accuracy and validity of this reporting. I do not consent to report this account as it does not accurately depict the account history and details. This is fraud and I dont consent. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} You are reporting that the account is closed. Yet the closed date is missing from the report. Why is this incomplete? 
You are reporting a balance of {$4300.00} in the summary, but there is not a balance reporting in the balance history. Why is that? 
Creditor Classification reporting as Unknown? Why is it unknown? 
Date of last activity missing. Why is it missing? This date determines when an account will be removed from consumer file Remove this immediately This does not meet The FAIR CREDIT Reporting Act standards. 
Proof attached.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (SC)

The company did not verify the charges as they stated. The company had not provided any contracts that have any signatures. Further the only information the company had provided me had the incorrect name and incorrect date of birth. I know of nothing that supports this companys allegations. This company continues to illegally report on my credit for an alleged debt not a verified debt as they do continuing to write defamatory statements on my credit regarding allegations and not facts. THIS COMPANY HAD NOT ADHERED TO FCRA 609 AS DEMANDED NUMEROUS TIMES.I state for the record I know of knowing that supports their allegations of this unverified account. REMOVE ILLEGAL FALSE/INACCURATE CREDIT REPORTING AND OR DEFAMATORY STATEMENTS IMMEDIATELY.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-12-28
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-10-16
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. (OH)

Someone stole my identity and opened up fraudulent accounts in my name. I have tried to reach out to XXXX, Transunion XXXX XXXX to dispute and they haven't made the changes to remove these fraudulent accounts. I am attaching a FTC report that i have filed. Please remove these fraudulent accounts.
Consumer complaint received 2020-04-09
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: EQUIFAX, INC. (GA)

On XX/XX/2019 I contacted Equifax and XXXX after receiving a credit monitoring alert that a hard inquiry had been pulled from my credit report. XXXX concurred that it was a fraud and advised that the sent request for Equifax to remove hard inquiry. Equifax seemed unwilling to help and was provided the worst customer service possible. They said that the responsibility to remove the inquiry was of XXXX. I have a letter from XXXX stated that the they requested the removal of the inquiry yet it has not been removed by Equifax.
Consumer complaint received 2021-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

I recently received an e-mail notice informing me that my PayPal account was permanently limited and that I could no longer do business with their service. As per the e-mail, It informed me that I violated something outlined in their Terms of Service ( doesn't mention specifically what it was ) though at no point did I do anything to violate these terms. 

While reviewing my most recent activity on the account, the latest transaction on the account was payment I sent for an item ( shoes ) from an online seller ( $ XXXXUSD on XX/XX/XXXX ) and a payment I received from XXXX  ( a cashback browser extension ) for $ XXXXUSD on XX/XX/XXXX. Besides these two transactions, my account hasn't been used in over a full year. 

The reference ID for this e-mail was : Ref ID - XXXX