davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MS)

On XX/XX/2018 I got a loan in the amount of {$900.00} from XXXX XXXX. They advised on the phone before I received the money that don't worry about the amounts displayed on the screen we don't charge like that so I then decided to take the loan. Over the course of the loan they had withdrawn more than {$2300.00} without my authorization from my checking account and the money owed never went down. I advised my bank to refund their money back and to refund me all money taking on false pretense from the merchant Ally Bank advised they were in the process of returning the original amount deposited if I would continue with the dispute I advised that was fine. I call back and Ally refused to refund me my money for the unauthorized charges due to misleading people who would speak to you before you received your money, XXXX XXXX agents lie to consumers advising one thing and putting another on paper in order to continue to call harass and debit a customers checking account. They charge more than 300 percent in interest which is against the law to the consumer regarding a loan. Ally Bank acted like they were going to refund my money did a dispute and no money was received lost over {$2300.00} in unauthorized charged which I called the bank and advised them.
Consumer complaint received 2021-10-21
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. (MO)

My identity has been compromised to the point someone went as far as opening up and closing accounts in my name ; these accounts are unauthorized and unknown by me. Therefore Im demanding the immediate removal of the following accounts. 

1 ) XXXX XXXX Co {$1100.00} 2 ) XXXX XXXX Co {$170.00} 3 ) XXXX XXXX Co {$92.00} 4 ) XXXX XXXX XXXX {$47.00} 5 ) XXXX XXXX XXXX {$1100.00} 6 ) XXXX XXXX XXXX {$20.00} 7 ) XXXX XXXX XXXX {$75.00} 8 ) XXXX XXXX XXXX {$170.00} 9 ) XXXX XXXX XXXX {$20.00} 10 ) XXXX XXXX XXXX {$35.00} 11 ) XXXX XXXX XXXX {$16.00} 12 ) XXXX XXXX XXXX {$580.00}
Consumer complaint received 2020-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

i have sent THREE CERTIFIED LETTERS advising there are numerous inquiries that were not authorized and fraudulent and Transunion continues to not only ignore my certified letters and not respond they still refuse to remove the inquiries I did not authorize that is having a negative effect on my credit rating. I have sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-09-10
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. (UT)

XXXX  # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX  # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  ; Experian and XXXX are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX  is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  and Transunion are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX  XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a debit card and 2 credit cards with Bank of America. One of the credit cards holds a XXXX balance ( Mastercard ), whereas the other card actually has a balance ( Visa ). I generally pay $ XXXX  monthly to the Visa credit card ( which holds an actual balance ) by transferring the funds from my debit account via the Bank of America App. On XX/XX/19, I accidentally made the {$250.00} payment to the Mastercard credit card ( XXXX balance ) which resulted in a - {$250.00} balance as of XX/XX/19. I decided to just transfer the {$250.00} payment from the Mastercard back to my debit account, which would make the - {$250.00} balance go back to {$0.00}. I was charged a cash advance fee of {$12.00} for the transfer. I quickly paid it off today on XX/XX/19 then called Bank of America regarding the situation. I wanted the fee reversed given the unique nature of the situation ( since the Mastercard held a XXXX  balance to begin with and just went into the negative ). Bank of America advised there was nothing they could do regarding this fee given the circumstance.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After XXXX XXXX closed my XXXX perfect payment, credit account even after cashing my on time payments and marking my account as charged off, which caused XXXX XXXX initial XXXX point decrease, XXXX XXXX had my XXXX perfect payment history erased from my credit in XX/XX/2023 to cover up their negligence and fraud which resulted in an over XXXX decrease causing severe financial harm and losses.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (NC)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2023-02-26
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. (NJ)

I am responding to the previously two inter-related complaints XXXX and XXXX regarding a fraudulently applied for and maintained XXXX credit card ( account XXXX ) in my name, that occurred while I was XXXX on XXXX XXXX XXXX XXXX within the XXXX XXXX XXXX XXXX and XXXX XXXX system. 

First, XXXX XXXX XXXX exceeded the 30 requirement for responding to both your office and me. My complaint to XXXX XXXX XXXX was made in XX/XX/XXXX. My request for your intervention was made in XX/XX/XXXX. 

Secondly, the account information submitted by XXXX, at the XXXX XXXX XXXX XXXX XXXX only proves to substantiate my complaint that a XXXX credit was in fact opened in my name and maintained in my name using my former address, however I was not at my home address and I was unable to remit payments on this credit card, because I was XXXX in both the XXXX XXXX XXXX  of XXXX and XXXX XXXX XXXX XXXX system from XX/XX/XXXX to XX/XX/XXXX. 

Not only did XXXX exceed the 30 day requirement for responding, but it responded with information showing that someone, other than me opened the credit card account. 

Furthermore, this XXXX credit is incorrectly being reported on my credit reports an active account when the account was closed in XXXX. My credit score is now incorrectly being reduced with an erroneous credit reporting from a credit card fraudulently opened and maintained and still being reported as an current debt, when the credit card was closed and written off in XXXX. 

I request your intervention under the Fair Credit Reporting Account of motivating XXXX XXXX XXXX to remove this incorrect information from my credit reports. 

Thank you in advance for your attention to my request. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (VA)

I have been trying to pay down my balance on my Discover IT card. Discover had usually applied payments made online same day, but now that I am paying more they have delayed posting the payments for 2-3 days. Since interest is compounded daily, this increases my interest charges unfairly.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2019 I purchased a XXXX XXXX XXXX from a local dealer. I financed the loan with Chrysler Capital. For my XXXX payment I sent Chrysler Capital a check for the " estimated '' payoff amount ( their estimate, not mine ). That amount was {$24000.00}. Chrysler Capital received payment on XX/XX/2019. Chrysler Capital then sent me a letter stating that my payment did not satisfy the entire balance leaving a remaining balance of {$40.00}. This was the exact amount due to satisfy full payment if received by XX/XX/2019. I received a letter from Chrysler Capital dated XX/XX/2019 that full payment has been received and relevant information forwarded to my states DMV for  processing. On XX/XX/2019 I received a prepaid debt card for a " over-payment '' in the amount of {$0.00}. Yes, that's correct, XXXX cents. These are the relevant facts. 

To receive the refund I was directed to activate the card and then apply the amount to a purchase. I exercised the other option of requesting a paper check. 

My complaint is that if I had opted to activate the card, then I would be subjected to $ XXXX/month maintenance fees beginning 12 months from now. This arrangement seems like a scheme between Chrysler Capital, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX. 

It appears to me that I was being nudged to accept and activate a card I did not want, did not need, and accept future maintenance fees, all for the privilege of collecting {$0.00}. 

I allege a scheme between the entities because if I paid the exact amounts to Chrysler Capital, on time, then why is there an over-payment to begin with? Unless, it's intentional to unleash this chain of company involvement to collect money from consumers for products they don't want nor need, nor seek out?
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (UT)

XXXX # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MD)

A XXXX XXXX ACCOUNT # XXXX Is still reporting against me with the full balance on my credit report after they've sent me a 1099 to count it as income on my taxes. I've paid the debt with the Irs and they've collected their losses.I have tried to contact XXXX XXXX on many times and was ignored. I've disputed the account with the bureaus and sent proof and was ignored. They only sent back letters that said we received a suspicious request or verified. If someone was actually doing their job This account would've been removed.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo sent me personalized marketing offering a 12 month 0 % interest promotional period for opening a XXXX XXXX XXXX credit card. As an existing Wells Fargo credit card customer, they have the right to use my customer information to market to me. 

I applied for the card at the end of XXXX and finally received my card on XX/XX/XXXX. I spoke to Wells Fargo representatives about the account on XX/XX/XXXX, and then several times after that when I was surprised to see that I had a minimum payment due. Previous experiences with Wells Fargo and XXXX credit cards did not have minimum payments due during promotional periods. They told me this one did. 

On XX/XX/XXXX I saw an interest charge when reviewing my online statement. I contacted the company to correct the error, as I was within the 12 month promotional period. I was told that because I had opened a Wells Fargo XXXX Visa in XX/XX/XXXX, I was ineligible for a promotional rate. 

Wells Fargo had ample opportunity to notify me of this during any of several previous calls about this account. Further, Wells Fargo should not have marketed to me offering a 0 % promotional rate if I was ineligible. Further still, I believe that opening a card on XX/XX/XXXX is more than 12 months away from the second open date of XX/XX/XXXX. 

This was deceptive and deprived me of the ability to manage my finances. I can not close this card without repercussions to my credit. I can not open another card with a different provider without repercussions to my credit. I have been choosing to save heavily rather than pay off balances, because I thought I had a 0 % line of credit, which caused me to incur interest charges I could have avoided. 

This is deceptive and a " bait and switch '' advertising tactic. Wells Fargo made no reasonable effort to notify me of this ridiculous rule ( which I did not experience with XXXX or other providers ) and hid it in the " fine print ''.
Consumer complaint received 2019-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Notified of overdraft, transferred money from savings account to cover insufficient balance and was charged 3 separate over draft fees anyway. Only one was reversed. Refused to reverse the other two based on " cut off time that only applies to overdraft fees '' When the transfer was made it showed the balance positive immediately but then was showed as " pending '' in order to charge overdraft fees.

Accounts Manager XXXX and XXXX XXXX were the phone operators for the call. 

This is the same thing that other banks have been prosecuted for. Approximately 67 % of total revenue for banks come from predatory practices and Chase is the only bank left that hasn't been sued yet.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, Several months ago, I checked my credit to find that Transunion and XXXX ( henceforth known as defendants ) : were reporting inaccurate information on my credit report, which puts them in violation of federal law FCRA 609. 611 and 15 U, S, C, 1692-1692p I'm requesting the CFPB office to investigate this matter to bring charges against the defendants for there violations of the Law based on the following facts : On XX/XX/2022 I sent a notarized, certified letter with a return receipt ) to defendants requesting to verify the incorrect information that is being reported by doing the following according to FCRA 609 : I. send me the copy of the originals contracts bearing my signature for each account listed ( see letter One ) 2.send me any and all other information or evidence you have on files pertaining to the accounts listed ( see letter one in attachments ) 3. Name, address. phone number and mailing address for each person involved in this investigation, The defendants had 30 day to provide this information by law On XX/XX/2022 I sent my second letter asking for the same information certified with return receipt ( see second letter attached ) defendants had 15 days to respond and provide me with my requested information by law On XXXX I sent my third letter certified with return receipt to defendants ( see attachment ) as of this letter defendants have failed to comply with the law In conclusion the defendants must provide me with everything i requested above or at least an explanation as to why they can not send or show you the evidence, As a result of defendant 's inaccurate reporting, I have been denied credit opportunities Relief sought : that defendants remove all information that they have not sent me the information i requested and all other inaccurate reported accounts and that that the attorney General office file charges on defendants for them being in violation of the FCRA XXXX 

If you need the return receipts I will send them upon request Thanking you in advance XXXX XXXX XXXX
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have various accounts on my credit file that are reporting erroneously. I had a few collections included in my Bankruptcy that was discharged on XX/XX/20 and they are still currently updating. This is a violation of the bankruptcy stay and these accounts need to be removed from my credit file as they have affected my credit scores and continue to effect my credit scores.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (TX)

I have an Avant Credit card and I have auto payment for {$67.00} per month. In XX/XX/XXXX I paid and extra amount of {$47.00} on XXXX XXXX and my bill was not due yet and did not have a payment schedule of {$220.00} at that time. On XXXX XXXX, XXXX they took {$220.00} out of my check account that I did not authorize them to do because my monthly payment is {$67.00} per month. I did not get a text, email, statement in mail stating they will take {$220.00} out of my account which left me in - {$420.00} in my checking account. I did call them on XX/XX/XXXX and I was on hold for 4 hours. I called back on XXXX/XXXX/XXXX and the recording said they were having technically difficulties in their system. I called back XXXX/XXXX/XXXX and spoke to some one and I ask them if I have you an extra {$47.00} I would not have a balance schedule payment of {$220.00}!! they should of subtract that amount from the {$220.00} and it would of been a lesser amount and they did not have my permission to take out {$220.00} of my check account. my next schedule payment is dated XX/XX/XXXX of {$67.00} so where did they get {$220.00} from. Please look into this matter.
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (SC)

XXXX XXXX XXXX XXXX sent me a letter on

XX/XX/2018 that states they will continue to damage my credit score and they may have the ability to sue me for the debt from XXXX XXXX if I attempt to pay or resolve the debt in various forms. The alleged debt total is for {$1700.00}.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (CO)

1. XXXX charged my DirectExpress account for {$99.00} XXXX XXXX, XXXX and when I complained, XXXX promised a refund and said refunded. Then they recharged card again on XXXX XXXX, XXXX. I tried to do a dispute with Direct Express and could get no help. They just canceled the card and mailing a new card but not fixing the problem. Direct Express says they are open 24/7 but consumers get nobody to help.

Tried to dispute 2 transactions and nobody answered when Direct Express cancel3d and ordered new card 2. XXXX XXXX XXXX sold a policy over the phone to me in XXXX XXXX. I am XXXX and deaf on phone. They charged me on Direct Express a monthly bill of XXXX which I immediately tried to cancel with XXXX XXXX XXXX and Direct Express. I am being billed again by both Direct Express monthly and can not stop it because nobody from Direct Express is accessible to dispute and XXXX XXXX XXXX is inaccessible. I am on XXXX, XXXX, XXXX State of Colorado long-term XXXX and can not afford private life insurance. I was confused by the agent, did not understand because of my deafness. This billing from XXXX XXXX XXXX needs to stop and a refund issued regarding a policy number XXXX immediately to me based upon XXXX XXXX XXXX defrauding an XXXX XXXX XXXX female. 
Thank you
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: N.A.R., Inc. (UT)

North American Recovery # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (FL)

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX and I do not have a contract with CMRE. XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}