davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Issue # 1 : In XX/XX/XXXX my father sent a {$1000.00} check to the Department of Education XXXX XXXX XXXX to pay off {$1000.00} in principal on my student loans. I was still in school at the time, so no payments were actually due on the loans yet, this was just a payment to pay down some of the principal. My father 's check was dated XX/XX/XXXX and it was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX. However when I look at my loan information online, I don't see this payment deducted. 

I wrote a letter to XXXX XXXX on XX/XX/XXXX and sent it via Certified USPS mail asking them to let me know what happened to this payment. My letter was delivered to XXXX XXXX on XX/XX/XXXX, but I have not received any response yet after more than a month and a half. 

I have attached below the following documents that were already sent to XXXX XXXX : - My letter dated XX/XX/XXXX - Screenshot of {$1000.00} check being cashed on XX/XX/XXXX - Carbon Copy of my father 's {$1000.00} check dated XX/XX/XXXX I have attached these additional documents as proof that I have attempted to resolve this previously : - Post office receipt for Certified mail sent to XXXX XXXX on XX/XX/XXXX - Confirmation of delivery on XX/XX/XXXX for the same Certified letter Issue # 2 : I made a another Principal only payment by check in the amount of {$1700.00} accompanied by a letter dated XX/XX/XXXX with specific instructions about how and where the money should be applied. This check was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX, but they applied most of this payment to interest instead of principal and they applied it to ALL of the loans instead of the two loans I specified. They have also advanced the due date on my payments to a date in the future - which I did not ask to have done and do not want. 

I wrote the PHEAA Office of Consumer Advocacy a Certified USPS letter about this problem on XX/XX/XXXX asking them to fix it, but have heard nothing back yet after more than a month has passed since they received my letter. They received my Certified letter on XX/XX/XXXX. 

I have attached the following documents : - Certified Letter dated XX/XX/XXXX sent with check for the {$1700.00} principal payment. 
- Certified letter to PHEAA Consumer Advocate dated XX/XX/XXXX identifying the problem and asking that it be corrected. 
- Screenshot of my online loan account showing this payment was applied mostly to Interest instead of being applied to Principal only. Also shows being applied to ALL loans instead of the two I designated. 
- Monthly bill dated XX/XX/XXXX showing the 2 loans with the smallest balance, which is where this Principal payment should have been applied. 
- Confirmation of delivery on XX/XX/XXXX of Certified letter to PHEAA Consumer Advocate.
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kimball, Tirey & St. John LLP (CA)

I was informed of an XXXX XXXX XXXX balance of over {$4000.00} that was effect in XX/XX/2012 on my credit and I knew nothing about it when I was trying to rent home and buy a car. I have been trying to reach XXXX XXXX and I have been told they are out of business, I don't even know if that is true. The company Kimball , Tirey & St. John LLP XXXX XXXX says they can not provide me with the original creditors info as that is their client. First of all this should never have gone to an eviction on my credit, I was never aware of any judgement to pay this, and XXXX XXXX told me the address they had to send me info was on I had not lived there in 20 years! This is why I am suspicious of this company and there info. I asked that I make minimal payments after they threatened wage garnishment and they said no. I should not even be responsible to pay this debt. To my knowledge this debt is time barred and I don't even know that if I paid this debt, it would resolve it. I don't know if the original creditor would come after me. The amount they say owed is {$4900.00}. I paid my last month rent to the property and left my deposit!!! I don't even see how I owe anything to begin with, and i cant find the property management company to discuss and see proof of anything. Now they are threatening to garnish my wages and that threatens my livelihood. Why cant they settle with me at least I am trying to pay even though I know I don't owe this debt. I just want it off my credit, which I have disputed. What can I do?
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) IFAXFederal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX acct : XXXX
Consumer complaint received 2019-03-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

The debt itself is fraudulent. It implied we were evicted from our apartment complex when we never were we stayed the contracted amount of months and never paid late. Complex had my number, new address and email and never once attempted to even bill me and sent this to collections the following month after we moved out in 2016. I have come to the realization Hunter Warfeild is adding more money to the collections account and redating the account on my credit.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-06-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: East Coast Funding Group (MA)

Early in XX/XX/2018, I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE IT FROM MY CREDIT REPORT.
Consumer complaint received 2021-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.
Consumer complaint received 2019-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (NV)

I really dont know but if they have my signature name and birth date.. it wont match mine ... theres a XXXX XXXX XXXX using my identity.. my name is XXXX XXXX
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bursey & Associates, P.C. (AZ)

Bursey & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in response to your letter I received on XX/XX/XXXX. The letter is dated XX/XX/XXXX. Your letter is in response to my validation dispute letter i sent your Lawfirm. 
I have attached the letter for reference. The information that was provided to me does not validate ownership. The information provided were statements that were sent to an address I did not reside at and contained many errors. I do not acknowledge the debt to be valid. The statements From XXXX XXXX Bank, XXXX is not proof that the debt Was assigned to me. There is no signatures or contracts to validate ownership. In addition, the other document you provided was the documents where the debt was purchased by your law firm. The dates on the accused debt is from XXXX. This date exceeds the statute of limitations for collecting this type of debt. Per the Fair Credit reporting act, your law firm is also in violation. I have suffered identity theft and have reported it to the credit bureau and have had other fraudulent credit items removed due to this. In regards to the accused debt from XXXX XXXX Bank Famously you Rewards. The statements provided again were being sent to an address I did and do not reside at. I do not acknowledge this debt to be valid. I am however grateful to have proof to send to the credit bureaus as I can prove my residency dates to further dispute these dates on the invalid fraudulent debt. Please do not continue to contact me or pursue any court actions as that is a violation of the FCRA. I have researched your law firm, as many other complaints have been made due to bullying and scare tactics, with court documents to create fear or hoping to obtain default rulings for those who simply dont know what to do and end up with invalid garnishments. This is in violation of the FCRA! Please cease and desist contacting me and drop your court proceedings as your findings are false. Providing me with documentation that contain inaccuracies is not valid proof of the accused debts stated in your response letter. I will be reporting your firm to the Federal Trade Commission due to your violation. Do not contact me again with your large packets of inaccurate documents used to intimidate or bully consumers with your scare tactics. I do not acknowledge these false accusations or documents that contain many inaccuracies. 

Cc : XXXX XXXX XXXX XXXX of the state of Arizona in XXXX XXXX XXXX,
Consumer complaint received 2019-01-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (OR)

I went to pay off the entire balance of {$780.00} on XX/XX/18. The payment due date was on XX/XX/18. I was assessed a late fee, but what caught my attention was a finance charge of {$16.00}. According to my monthly statement, of which the closing date was XX/XX/18, my previous balance was {$610.00}. The interest on this card is 26.99 %. The " balance subject to interest '' amount was {$720.00}. I XXXX at math so I can't figure out how that interest rate was assessed nor how that particular " daily balance '' was calculated. When I inquired and asked for a written mathematical explanation of this I was told the same thing every time. The only way to avoid a finance charge is to pay the balance by the due date. I paid over my balance so I could pay off the entire card after the payment due date but before the statement closing date. 
Like I said, I XXXX at math, but these numbers just don't add up for me so to speak. I don't like questionable charges. So I'm hoping you will get a straight answer or can provide one for me that explains where the numbers come from and how it all adds up, from why the payment due date is different from the statement closing date, ( which is an after thought ), and with a mathematical explanation, exactly how the " daily balance '' is calculated in concerning assessed interest. 
I have attached numerous files, for reference but also in the event you find something I missed in terms of questionable charges. The unnumbered XXXX pdf and the questionable finance charge are the two related specifically to this complaint.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

While using Wells Fargo 's mobile application. I had successfully deposited four checks into my business checking account. However, when I deposited the fifth check for XXXX dollars, Wells only added XXXX dollars to my account. It is hard to have faith in a bank that is effectively stealing from your business. This comes shortly after I was left unable to pay my credit card at the beginning of the month due to Well 's failure to allow access to those funds. Millions of people, including myself, were forced to come up with an immediate solution on no notice. I was fortunately able to do so, avoiding the massive interest that I would have otherwise have incurred. For those who were not as fortunate, I would like to ask on their behalf, who is going to foot the bill?
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I had XXXX dollars taken out of my account over 2 days. I did not complete these transactions. I did not have my card on me. It was either taken or lost. I filed multiple reports with the bank on XX/XX/18, XX/XX/18, and XX/XX/18. These were denied. I filed a police report on XX/XX/18. I was told there was insufficient evidence to prove I did not withdraw the money out myself. I asked them several times to check the ATM cameras to see that it wasnt me completing the transactions. I filed 2 complaints with the XXXX XXXX XXXX  and finally got a response from the bank. After tge first complaint I was told by the bank that a male was seen on camera making the transactions. I am not nor have I ever been male. But I was told it was someone familiar to me and that the claim was being denied. They did not show me pictures of the male in question so I have no idea who it could be. I am being told over and over again that I am responsible for transactions I did not approve or complete. I don't know what else to do.
Consumer complaint received 2022-07-19
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2020-02-15
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. (TX)

I have been in contact with Transunion yet they have ignored my request to delete accounts that are fraudulent on my credit file thatchy maintain.. Not only was I not aware of the accounts XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX neither have never given me notice to dispute the validity of these account before inserting it into my credit file. I am formally disputing these account once again as I am a victim of identity theft and this account is a result of thereof. Please remove these account from my credit file that you maintain.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

CARD WAS USED TO purchase gift cards XXXX said I needed to get a refund but I was not talking to XXXX it was a fraud telepnone number I was directed to Now the bank will not answer their phone!! Comenity Bank XXXX XXXX  XXXX XXXX I had to buy XXXX XXXX XXXX  cards and XXXX XXXX XXXX total {$1700.00} Comenity Bank will not answer their phone - been trying for 3 weeks
Consumer complaint received 2021-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a member of USAA since XXXX and have checking accounts with them, and where I receive my direct deposit from my employer. 
On XX/XX/2021, I made a transfer through the USAA app from my XXXX checking account in the amount of {$13.00} and my funds which usually are available immediately were put on hold until XX/XX/2021. Those funds have been debited from my XXXX account since XX/XX/2021, but I am still unable to access it because the funds are still on hold with USAA. Today I made a check mobile deposit in the amount of {$25.00} and again, the system placed a hold until XX/XX/2021. I contacted USAA to cancel that deposit, since it was done through the mobile app and the system was putting a long hold without warning me about the holding time to allow me to cancel the deposit and was on on the phone from XXXX PT until XXXX PT. I spoke with a representative who kept me on the call for a long time and then finally transferred me to a senior representative named XXXX, who refused to remove the hold on my {$25.00} deposit. I explained to him that the system did not inform me of such a long hold time prior to complete my transaction, and still he said its USAA policy to keep long holds on deposits. Since I have been a member for almost 30 years, I knew XXXX was not giving me the correct information, since small deposits becomes immediate availability, so I contacted USAA again, and spoke to another representative named XXXX, and then was transferred to a representative named XXXX, who said that earlier her colleague XXXX had refused to remove the hold and placed a note on my account at XXXX CT. She used refused when referring to the notes placed by XXXX earlier XXXX I told XXXX that I called to get to the bottom of this problem that has been occurring with my deposits and transfers and the extended holds, as I feel I am being discriminated by the bank and asked why all my deposit transactions have been put on long holds on the past few weeks, but she didnt have an answer for me and again, just didnt give me an explanation or offered me a resolution on this issue. I am attaching copies of my transactions with USAA, copy of my XXXX list of transactions showing funds paid to USAA on XX/XX/2021 and copy of check deposited today for review.
Consumer complaint received 2023-03-29
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. The List of accounts below XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (ME)

Someone had my social Security number and personal information. They are calling XXXX XXXX and changing the address and phone number to Florida and requesting new cards in my name. I have called 15 times this week to keep changing it back. I went to social security office and reported it. XXXX XXXX   acknowledged knowing about the breach in my account and will not stop it. They keep allowing this to happen. I have yet to receive my income. I can not pay bills, I have no phone and I have XXXX young children at home to feed. This is unacceptable!
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I am familiar with The Card Act of 2009, in particular, Paragraph 164. " Prompt and fair crediting of payments, Section ( b ) APPLICATION OF PAYMENTS, '' which states that any amounts above the minimum payment must first be applied to the card balance bearing the highest rate of interest. American Express is attempting to circumvent this law by using the expression " Plan Fee '' rather than Interest Charges or Finance Charges so they can apply payment amounts above the minimum due towards balances with lower fees rather than the highest fee. Representatives at AMEX stated that " it's not interest, it's a plan fee, so the Card Act does not apply. '' Their disclosure, however, refers to a " Plan Fee '' as a " Fixed Finance Charge '' as found on page 1 of 4 of " Cardmember Agreement, Part 1 of 2, '' and the " Plan Fee '' calculation method ties it to the APR for the account. Presently I have six balances that have " Planned '' repayment schedules which carry a zero interest rate, and two plans that carry interest rates of more that 25 %. Today I tried to pay off one of these high interest rate plans early, and I was told my payment would first be applied to the plan balance with the lowest plan fee ( interest rate ) first. This is in direct violation of spirit and language of the Card Act of 2009. I have a credit card with American Express that has a set credit limit and it is revolving. There are balances which I am not paying and full, and as such I must pay extra money to AMEX above and beyond the principal amount that I charged on my card. That amount of money is based upon the APR set on my account. Whether AMEX chooses to call it " interest charges, '' " finance charges, " plan fees, '' or simply " widgets '' -- the NAME should be set aside and the character of and reason I am paying more money every month above the principal balance should be considered to conclude that the relationship is subject to the Card Act of 2009, binding the card issuer to apply payments according to the law : balances with higher interest rates first.