davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # 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 I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Even though XXXX is part of banks like Bank of America and others it doesnt have any buyer protection for some reason and it doesnt make that clear. 

On XX/XX/XXXX I went on XXXX to buy a XXXX XXXX  for {$280.00}. I talked to the person in question and he gave me his Phone number and his Email. He seemed trustworthy as we talked for several hours on many topics and he provided proof that the item was on hand. I payed through XXXX as I saw that it was part of the Bank of America app and I thought It was safe. After paying he said he would mail it out the next day and the next day he called and said that he had to refund the payment because it was on hold? Im not sure if XXXX works like that. And he wanted me to pay him even more money. I said no Im not paying you again but if you are truthfully telling me that you refunded it Ill wait until I have the money back and do it again. Then he said he wont send it out. I said I already payed and then he said ok and his number was now out of service. 

A few days later after I called Bank of America and explained the situation ( they said they couldnt do anything at all other then file a complaint ) he called me again from the same number asking if I got the refund. I told him no and I told him that either he gives me my money back or mails out the item. He said hold on and now his number is out of service again. 
Its now XX/XX/XXXX and I see no sign of this ever being fixed. And BoA should either take out XXXX or warn people more clearly theres no buyer protection
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (TN)

Dear President Trump. My complaint is with Navy Federal Credit Union and the incredible interest they are charging me and my family on a credit card that was closed because we got behind on our payments. My husband is a XXXX veteran, having served honorably in the XXXX XXXX, the XXXX XXXX, and XXXX XXXX. 
We are paying Navy Federal Credit Union $ XXXX/month, of which @ $ XXXX/month is an interest fee. I have contacted NFCU numerous times to request a reduction in interest consistent with their lower rate credit cards given the fact the underlying interest rates have been reduced by the fed and the continued hardship of paying 27 % interest. I was told the interest they charge is based upon the fed rate and my credit score but to contact them the next time my bill comes due and they will see what they can do for us. Mr. President, the NFCU takes for granted the veterans it claims to serve and has done so for some time. They are happy to take all the positive publicity predicated on their claims to support the veteran community, but get in trouble and get behind on a payment, and it is the XXXX with you. I pleaded with NFCU to allow me to consolidate my credit card debt under a personal loan before it became an issue, but they refused and summarily cut the card off and simultaneously increased my interest rate to the userous rate I am currently paying. In the past 12 months, NFCU has charged me over {$1000.00} in interest on a {$4800.00} credit card debt and card which I can not even use. Mr. President, I am sending this letter to the Consumer Financial Protection Bureau and the CEO of Navy Federal Credit Union. I am sorry I have to trouble you with my problem but when I last spoke with the customer service department at NFCU, I was ridiculed, laughed at and told it was not NFCU 's fault I found myself in this situation. Thank you for your time Mr. President.
Consumer complaint received 2020-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have spent Hours removing 18 hard Pulls from Capital One Bank and i still have some and don't have account with them, give them my name and address they got nothing but they keep coming and it keep costing me and Capital One has been notified over 30 days ago and nothing i bill collectors, i got that stopped, for while for a living on low income during this shutdown this has put hurt on getting a loan of any kind. this is data break stolen social security number, date birth, name, address
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NV)

XXXX falsely claimed I didn't cancel the auto policy. I cancelled the auto policy. On top of that, I already paid in full. In addition, Credit Collection services never contacted me on the phone of address. Even admitting they never called me. They also, admitted they send this false collection to the wrong address. I have a recording if them admitting to both. This should be deleted off my credit report or I will take legal action against both companies for financial harm.
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I got an email from navy federal credit union advertising that they are willing to help there customers in this time of need with the coronavirus epidemic and navy federal credit union says there here to help with a loan for its customers but its false advertising to customers who believe that they would help, its the same qualifications as a regular loan not to try to help or say they want to help thats giving false hope, I called and spoke with a loan rep he even made me aware of the same thing I dont understand even myself Mr.XXXX, even my girlfriend which Im the one that brought her to navy federal says the same thing, why give false information if your going to help out help out not, say your going to do something but truly lie to a customer I dont need to have anyone explain it, I like navy federal but thats going to far, were here to help our customers through this coronavirus epidemic and wanted to help our customers with a loan to help, I want what the website says not be lie to and denied a loan when it actually is false advertising to all customers all my friends in the military say the same thing it doesnt make since, I want this resolved but dont want someone to think Im stupid, no bank of any financial institution needs to take advantage of any customer in a time of need and hope and help thank you.
Consumer complaint received 2022-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunbit, Inc. (NV)

On XX/XX/2022 I applied for credit with Sunbit to purchase tires online from XXXX XXXX  The company stated they would charge an initial {$26.00}, and the company ended up charging my debit card {$85.00}. I did not authorize that amount to be charged from my card. As well as, the application for XXXX XXXX did not go through, so not only did Sunbit charge my card for an amount they did not disclose to me, but I did not even get the product that I " paid '' for. My account number with Sunbit is XXXX
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM XXXX, XXXX  AND EQUIFAX
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM XXXX, TRANSUNION AND XXXX
Consumer complaint received 2015-04-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (WA)

I have talked to this company more then XXXX time they and have told them that this is not my debt they are saying this is from a credit card that is from 1999, They have also claimed that it is on my credit report it is not. I have also submitted paper work to them saying this is not my bill and they keep dismissing it. now they have submitted XXXX different garnishment on my checking account. With this last call that I called in on the XXXX rep could not answer any questions that I asked her about the fair debt collection practice act and then all of a sudden she said I am going to get you a supervisor put me on mute and then came back with saying I hung up. then transferred me back into que the last rep claimed to be a supervisor but could not or would not give me any proof that he was a supervisor he gave his name as a XXXX XXXX. I asked both reps to answer questions about the fair debt collection practice act, Including the XXXX specific XXXX about a debt collector causing more debt in the attempt to collect on a debt in fact the XXXX XXXX went as far as to say that was wrong.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing today to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the FCRA, Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX 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 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (CA)

On ( XX/XX/year> ), I sent a letter to ( ABILITY RECOVERY SERVI ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( ABILITY RECOVERY SERVI ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( Enter Date Mailed ), along with an updated FTC identity theft report.
Consumer complaint received 2020-08-03
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from XXXX of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

To whom it may concern : 1. NAVIENT continues to charge student loan interest on my federal loans despite the federal government passing the CARES Act that suspends interest on federal loans from XX/XX/XXXX - XX/XX/2020 because of the CORONA VIRUS. 

2. NAVIENT continues to process my monthly student loan payment incorrectly in order to ACCURE INTEREST and LATE FEES. 

Thank You
Consumer complaint received 2020-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, the taxing authority that has jurisdiction over my property sent Wells Fargo Home Mortgage a statement for {$4200.00} for XXXX taxes. Wells Fargo Home Mortgage paid only {$720.00} leaving a balance of {$3500.00} unpaid. 

On XX/XX/XXXX, Wells Fargo Home Mortgage contacted my home owner 's insurance company requesting them to remove my name from my policy. When they realized that they couldn't possibly do that, they ran out of options and had no choice but to pay the taxes as they were supposed to from the beginning. 

The problem is that, this bill had incurred interests and penalties of {$950.00} in excess of the original amount by the time they decided to pay it. I have intentions of paying off my mortgage this month and I wrote them on XX/XX/XXXX asking them to take care of the interests and penalties they incurred. They sent me the pay off statement from an unmanned email address and deliberately refused to say anything about my complain.
Consumer complaint received 2022-06-03
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. (NY)

I submitted my first complain on XX/XX/22. 
I have not received any replied from this company that keep reporting inaccurate information on my credit report.
Consumer complaint received 2022-02-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (DE)

EXETER FIANCE HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! 
I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! 
NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! 

VIOLATIONS - DELETING FROM 1 REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - HARSSING COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!
Consumer complaint received 2020-04-06
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. (TN)

I've sent out several letters to all three of the credit bureaus letting them know that a lot of the information they are reporting on my consumer credit report is inaccurate. Such as Experian has my mother 's name in place of my name and for allis have my correct name in place of that. Also, Experian, XXXX, and XXXX  have closed accounts and payment history on closed accounts in which I've attached with this complaint. all listed in my consumer credit report. I have sent copies of my Driver 's License with current address listed on it. I've sent copies of my social security card and bank statement that fell on blind eyes. All three of these credit bureaus sent me stall tactic letters and postcard letting me know that I didn't send them any proof of my identity and wants me to re-send the information to give them more time. Every time I send in the requested information in, either XXXX  doesn't respond back to me and when they do, it's way past the 45 days with again, send them proof of my identity. This is a bunch of bull and they know it. I have signed United States Postal Signatures from Experian, XXXX  and XXXX  that they did receive my disputed letters with proof of my Identity attached to the letters. I'm really surprised by XXXX  because I sued them back in 2018 and won by default. I'm not willing to go through this sending back and forth for something I've sent time and time again.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Entered into a forbearance around XXXXXXXX XXXX and agreed to due a deferral with first payment due XX/XX/XXXX. 

Made the XX/XX/XXXX payment EARLY on XX/XX/XXXX for {$1500.00} by phone to be applied to the XX/XX/XXXX payment. 

XXXX DID NOT UPDATE the website address for payment of XX/XX/XXXX, so I paid again, a second full mortgage payment on XX/XX/XXXX I paid twice because I was terrified I would be reported late, even though they received the payment on XX/XX/XXXX that was due XXXX. 

I learned on XX/XX/XXXX, my XXXX XXXX score had dropped from XXXX to XXXX because XXXX reported 60 days late in XXXX. They are reporting 60 days past due on ALL 3 CRA 's - XXXX, XXXX, and XXXX killing my credit and financially ruining me. I was in a forbearance program, called XXXX three or four time to ensure this would not happen and verified my first payment due was XX/XX/XXXX with the deferral program. Despite paying twice and being in a forbearance program, XXXX reported 60 days late twice for XXXX. 

I was rejected solar financing for a loan due to a XXXX XXXX XXXX. The solar loan would cost me $ XXXX instead of paying {$320.00} for electric bill. I am also in jeopardy of having my credit cards closed due to XXXX reporting 60 days late in XXXX. 

XXXX has ruined my credit and finances with their erroneous financial reporting to the CRA 's. They are also jeopardizing my finance with wrong statements made and requests asking me to make a XX/XX/XXXX payment they already received in XXXX. The next payment due should be XX/XX/XXXX, as they have received two payments since XXXX to XX/XX/XXXX, with the first payment due XX/XX/XXXX. 

Please help - forbearance under COVID was not to be reported late, yet XXXX reported 60 days late to each of the CRA 's, double billed me for the first payment due XXXX and has devastated my finances.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

Called in XX/XX/XXXX To the credit card department after noticing that that there were 4 unauthorized payments made on my credit card from my checking account, resulting resulting in More overdraft fees from truist. ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) After spending about 45 minutes on the phone the representative said there's definitely an issue with my account because my account only exists in the app and it doesn't actually exist on the website so I can't interact with or correct the auto pay that somehow set up on my account and they can not correct it either. When the individual wants to transfer me to the digital operations department they hung up on me and I just couldn't handle the 30 minute wait time to speak to a representative again. 

I have had this account for over 15 years It's really saddening the issues that truest has been causing since the transition. Unfortunately I am in a position where I am forced to continue using this account because my works direct deposit system.
Consumer complaint received 2022-06-03
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: Kikoff Inc. (NJ)

I went through XXXX sent my proof and kickoff the credit card company says their information stays the same. Since XXXX I've been following the protocol to fix my credit due to as an youth name used for fraud also which XXXXXXXX XXXX XXXX was very helpful. Since XXXX I've been protecting my personal information. I've build my credit up XXXX through XXXX. Currently my score has dropped by almost 70 % my information along with my XXXX son 's age XX/XX/XXXX information was also taken my phone camera someone around me has done in XXXX of XXXX I've contacted gov identity thief which none has contacted me. May I please get the assistance or forward to the right direction. XXXX
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (VA)

When I tried to redeem points XXXX Fidelity told me I had changed my monthly redemption date on XX/XX/XXXX. So they let the old date ( the XXXX ) run thru a cycle before starting my new date? So since XX/XX/XXXX ( my new date ) redemption will be XX/XX/XXXX? Not Fair, No redemption on XX/XX/XXXX ( 30 DAY from old date ). This is how they avoid ( delay ) paying points. SLEAZY