davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Hello!     My checking account at the  Fifth Third Bank  went into overdraft on    X/XX/2017 .
<P/>  The bank did not notify via mail, phone, email or text.  <P/> I have banked regularly with th e Fifth Third Bank  for over 10 years and have received regular direct deposits during this time period. My lengthy history wit h Fifth Third Bank  demonstrates regularity and compliance.  <P/> If I had received any type of notification fro m the Fifth Third Bank   regarding the balance of my account I would have taken immediate action to correct the error.  <P/> My payroll did not go through as it always has, so the account balance went negative.  <P/> I find it absolutely unacceptable that over the course of 10 days the bank took no action to notify me, but instead ran rapid fees to my account.  <P/>  Fifth Third Banks states  they sent " emails '' which I never received. If I would have I would have called my employer immediately, called the bank and corrected the situation.  <P/> When I conta cted the Fifth Third Bank in hope finding a resolution that works in both our favors they denied me any act of  compassion or understanding.  <P/>  Fifth Third Ban k stated " We recommend checking you account regularly. '' The bank issued a credit to my checking account in the amount of {$37.00}  Fifth Third Bank sa id " Check you account notifications to avoid this in the future '' I spent over a week on the phone with different managers, account representatives and branch managers with no resolution even considered from the bank.  <P/> Even after I talked to the bank they continued to run fees on my account.  <P/> They have prevented me from paying m y Fifth Third credit ca rd bill which I asked my parents to pay to avoid any more fees from them. As of now I am not allowed to make payments.  <P/> I feel I was scammed by The  Fifth Third Bank . As I am a regular working class person who is paid regularly.  <P/> I find this appalling and unethical.  <P/> The dates and fees are as follow s :  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of 148.0 0  X/XX/2017  in th e amount of {$110.00}  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of {$74.00}  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of {$37.00}  X/XX/2017  in the amount of {$37.00}  X/XX/2017  in the amount of {$37.00} ( bank wo n't allow me to pay my credit card bill and charged me a late fee ) Total overdraft fees equal {$770.00}.
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (WV)

XXXX XXXX XXXX, XXXX XXXX 
Attorneys At Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX In XX/XX/XXXX, Said law firm, which operates as a debt collection agency, called our cell XXXX, numerous times asking for and leaving messages regarding an attempt to collect a debt in the name of XXXX XXXX. 

At this time, I called back informing them that there was no one here by that name, and to cease and desist calling per FDCPA 15 USC 1692, and the Collection Agency Act of Illinois. 

On or about XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX, with said law firm, again started calling and leaving voice messages for XXXX XXXX operating under supervision of the person who identified as DIR of OPERERATIONS XXXX XXXX in clear violation of the FDCPA and Collection Agency Act of Illinois. 
I can provide the voice recording upon request. 

When I called back the number provided by XXXX XXXX in voicemail ( XXXX ), and asked for a supervisor, I was shuffled around. I specifically asked the man on the other end who identified as a supervisor, If they were aware of the FDCPA, and specifically if they were a debt collector, or law firm trying to collect a debt on behalf of a debt collector. To this inquiry I was given no response. 

As a law firm specializing in debt collection practices, there is no excuse for the flagrant disregard for federal and state laws of which the staff of ARNOLD SCOTT HARRIS engaged in, or the deliberate attempt of his staff to conceal their identity and role in the illegal activities of what is an unethical attempt to prevent complaint filing.
Consumer complaint received 2019-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

In XXXX of 2017 I purchased a car from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX I applied for credit - but did NOT authorize them to check several lenders.
Consumer complaint received 2021-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NFM, INC (MD)

I am a XXXX XXXX XXXX Veteran that has served the country for the past XXXX years. Because I am 100 % total and permanent XXXX XXXX  says I don't have to pay property tax. I've turned in all documents to my mortgage company NFM Lending on XXXX XXXX, 2021, XX/XX/XXXX and XX/XX/XXXX. The required documents included a tax bill from the State of XXXX for XXXX to XXXX, a letter from XXXX XXXX Department of Taxation showing that, and an updated tax bill showing that exemption has been granted. Every time I call for a status I am told that I haven't turned in something. I've called XXXX  times and told a different reason. Once I turn in that document then I'm told oh you need " this this and this ''. I was told the last time that the letter doesn't show how much is get discounted. I explained that the Tax Article listed on the document from XXXX XXXX  Dept of Taxation is for complete exemption. I asked them to even look up the article and read it for themselves. I am in need of assistance in this. Feel like this company is being taking advantage of Service members and they don't want to do what's right.
Consumer complaint received 2022-12-14
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. (TX)

I have submitted multiple disputes and FTC letters regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

Once I realized in mid XXXX that my 4 accounts were reduced to 3 accounts with Navient student loan company, i contacted them. First i was told it was still 4 accounts and that I am not due to pay any amount since my loans are on administrative for forbearance. Same year, I got a credit score report with my score plunging down due to derogatory reports from Navient that one out of four loans was in charge off/collection. I started to make numerous phone calls, send emails and postal mails with dates. 

I would stay long hours on the phone to resolve the issue, I even disputed credit reports through the credit unions all to no avail. My credit score continues to be affected by this monthly derogatory report and am not able to qualify for any credits whatsoever because of it. 

I made many calls requesting that my one account gets moved back to the current accounts like my 3 other accounts. I sent so many emails until they stopped accepting emails from me and I would get undeliverable messages from Navient. I do not know who else to go to and what else to do. Legal actions do take time and money so I was advised to file a complaint through this website. 

The last time I tried to solve this was Friday XX/XX/XXXX on or around XXXX. I spoke with XXXX XXXX then XXXX XXXX, then XXXX XXXX who went through all the payments and determined that the error was made in the manner they split my payment.

I always made one consolidated payment for my 4 student loan accounts that is sending only one payment. According to XXXX, she determined from her search that at sometime in XXXX of XXXX they made the mistake and missed one account when they were crediting all 4 accounts. 

According to XXXX, she said that in XXXX, they reported the account since it was in collection/charge off to credit reporting agency. XXXX finally indicated that this can be fixed since she is able to locate the reason and it can only be done by customer service. XXXX XXXX then transferred me to customer service escalation team rep XXXX XXXX to fix the problem. XXXX said she will contact the necessary departments and get it resolved by pulling it out from collection/charge off. 

I have continued to be in contact with Navient staffs and no matter the promises I got that it will be fixed, it was never done. I plead that you help me resolve this as my credit score has been bad for years because of this monthly reports. In addition to these derogatory reports, the loan amount continues to increase. I even sort an attorney to discuss this, after the attorney reviewed all the files I sent to him, he wrote them and was on the phone with me and them in XX/XX/XXXX when they said it will be resolved by customer service escalation team, XXXX.
Consumer complaint received 2019-07-09
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: CORELOGIC INC (WA)

CORELOGIC CREDCO LLC hard inquired my credit report that I do not recognize or authorize. I called the number mentioned in the report to enquire about the same but they are asking my credit card number to validate my identity which I feel not legitimate. 

Below is the information that I found on experian account, please check and help me on this. 






CORELOGIC CREDCO LLC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2022-12-14
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: Avant Holding Company, Inc. (PA)

While checking my credit report, it showed I had 2 new accounts, which I knew wasn't true. I looked at what was new, and 1 was correct, but I also seen the another new one was opened, that I did not open or request. XXXX / XXXX is what is showing for the company name. It was opened on XX/XX/2022, account is a credit card, with a {$1000.00} limit. Highest balance shown is {$39.00}. Another thing I noticed, when I looked at my personal information, it is showing a previous address for me : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, which is also showing that address was reported on the same date the card was opened, XX/XX/2022. I have never lived in XXXX. This is apparently where you need to look for who opened the account. This person needs put in jail for identity theft. I did not open the XXXX / XXXX card, and it needs to be closed and removed from my credit report!! I tried calling the company and refused to give too much information, bc there's no reason why they need my birthday and social security number. I know nothing of this company, and they don't need more of my information than what they already fraudulently received. I asked them to close the acct. They refused to help me without me giving them my information, they told me if I don't tell them that's my problem and they hung up on me. Very odd. Non English speaking, very hard to understand. Not willing to help.
Consumer complaint received 2019-05-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (AL)

I am currently in a 3 month trial payment plan I have a assigned counselor her  name is XXXX XXXX which I have spoken to, and schedule the 3 month payment plan. I first called to speak with XXXX XXXX, after I was unable to get her, I chose to speak with any of the agents which I spoke with a individual name ; XXXX on ( XX/XX/2019 at exactly XXXX XXXX ) I call for 2 things ; 1st to ask if the payment went through for XX/XX/2019 he said that it would probably post from my account tomorrow which was XX/XX/2019. I said o.k, I then asked him when was the next bill suppose to go through he said it suppose to draft from my account on XX/XX/2019. I told him I needed to make a change on the date for this draft out of my account. I would like to have that made on XX/XX/XXXX instead. Mind you me and my husband have had some difficult times with him having XXXX and being out of work for about 5 months. I didnt explain that to the individual ( XXXX ) because I know it was in the computer systems. He made a statement to me, why are you having this come out on the XXXX and then youre gon na have to make another payment on XX/XX/XXXX, it was how he made the state in a degrading way the ( FDCPA Act ) prohibits protects people who need to be treated with dignity and respect and the statement was intent to shame me. After a while I got very fed up with his degrading comment after I explained to him that I didnt like the way he was talking to me he quickly wanted to change it like he was saying it to protect me. I felt very belittle, his actions was very much unnecessary, I also asked him was the conversation being recorded I would so much appreciate if you could listen to this conversation.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-15
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. (OH)

I have 3 different collections on my credit report from the same school the I never attended they never even received my verifications for me to even start later I explained I couldn't attend then I'm hit with 3 different charges totaling XXXX how is that possible this has hurt my credit score tremendously.
Consumer complaint received 2019-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear TRANUNION : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for XXXX XXXX XXXX XXXX XXXX was placed within my credit file in XXXX, 2018. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon TRANUNION to follow the law : Either provide documentation that the law was followed by contacting XXXX  XXXX XXXX XXXX XXXX at once, or remove this offending inquiry as soon as possible. They put 83 credit inquires on my credit
Consumer complaint received 2022-12-15
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: Continental Services Group, Inc. d/b/a ConServe (OH)

I have 3 different collections on my credit report from the same school the I never attended they never even received my verifications for me to even start later I explained I couldn't attend then I'm hit with 3 different charges totaling XXXX how is that possible this has hurt my credit score tremendously.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (OR)

I have XXXX student loans adding up to over {$62000.00} with Wells Fargo Bank. My mother consigned one of the loans and almost 3 years ago I had called the bank to ask how to remove her as my cosigner so to ease my overall student debt through consolidation. The representative told me that I would need to make three years of {$650.00} monthly payments to have my mother removed as my cosigner. I continued making payment for 12 more months before I fell into strapped financial times, so I called the bank and recieved permission for a two month forbearance from the bank. I found out shortly after making another 12 month payment after that forbearance that the clock was reset on my loan payments so I would need to make another 2 years of consistent monthly payments. It seemed like this was misleading that I was not told that if at any time I chose to go into forbearance that my payment timeline to remove my mother as a cosigner for XXXX of XXXX loans would be reset. 
Wells Fargo Bank does not offer any other alternative for me to ease the burden of my student loan payments as the option I always receive from representatives are : 1. ) can you consolidate ( I can not do this option because that would require a cosigner- the only person of which is my mother who can not be used as a cosigner until she is removed from original loan ), 2. ) go into forbearance ( I can only do this option for 2 months effectively upping my interest balance while resetting the clock on the time it would take to remove my mother from original loan ), 3. ) cosigner would need to me payment if I could not. 
Having only 3 none useable options to ease such a large debt with such a high monthly balance is wrong and something should be done.
Consumer complaint received 2022-05-06
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-03-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (IL)

1. Gm Financial is reporting to credit Bureaus that they gave me a loan. When in fact it was a retail installment agreement. Which are two different things. GM financial has never given me any money.

2. GM financial did not follow illinois laws when repoing the vehicle. They must contact me 3 days after in writing about my options. I was contacted 14 days after. 

3. GM financial stated they sold the car in a private sale on XX/XX/23. However the car has not been sold. 

4. GM Financial stated they sold the car in a private sale but they are charging me auction fees. 

5. Once GM financial violated Illinois laws post repo this was automatically considered a wrongful repossession.

6. Reporting inaccurate information to credit agencies is violating my rights under the fcra.
Consumer complaint received 2019-05-01
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. (NJ)

My Credit Union reported 2 of my accounts as late for XX/XX/2019, however the information was incorrect and they have since corrected the information with XXXX but Trans Union & XXXX has not been corrected. According to the Credit Union they do not report to Trans Union & XXXX, however the 2 accounts show as delinquent with both reporting agencies.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (FL)

I, XXXX XXXX give authorization to all XXXX, XXXX and XXXX to move forward with this complaint. I have proof they are in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complain they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. They XXXX consumer reporting agencies has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that all XXXX  consumer reporting agencies are attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof that all XXXX consumer agencies are reporting adverse information before, during, and after all investigations which is a direct violation, making all three consumer reporting agencies civilly liable and criminally liable pursuant to 1681n and 1681o.