davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (TX)

I have contacted PNC Bank several times regarding a discrepancy in my billing. In XX/XX/XXXX the amount of {$230.00} was received on my statement I disputed the amount because that was never my payment amount. Due to some personal issues I did not get to follow-up again until XX/XX/XXXX. In XX/XX/XXXX, I contacted them payed everything due including fees with exception to the XXXX amount. Thru additional conversations with PNC they informed me in XX/XX/XXXX they  adjusted my contract payment amount from {$380.00} down to {$360.00}. My grandmother made additional principal payments of {$2000.00} in total over a course of one year as given to me in my contract to prepay. When they made that payment adjustment they never contacted me and informed me my payment was changed or why and they violated my contract in my right to prepay. By the payment being changed they extended my maturity date back to the original contract collecting additional interest. I consider this a violation of CFPB regulations and have also filed a complaint with the Texas Attorney General which where I reside. 

Please also note I have paid payments for the months of XX/XX/XXXX and XX/XX/XXXX in the amount of the new payment change {$360.00} only to not have bad reflection on my credit report. I still dispute that amount in full. 

PNC Bank has supposedly escalated this many times and will return my calls via phone or in writing.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have noticed that my interest rate has gone up approximately by 5 % in the last XXXX with no notification or reason. I have contacted the credit card company and I was not provided a reason. I have always paid on time and I am being penalized, with a higher rate for no reason. I would like my rate explained as well as adjusted.
Consumer complaint received 2017-05-31
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (PA)

Navient : I was paying the agreed {$250.00} a month ( which was what they said was a garnishing of wages which I agreed to ) and when I checked my auto pay they had pushed it up to around {$380.00}. Along with multiple times kicking me off  of Auto pay.  Which I should not be liable for due to their fault in system.
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. (CA)

On XX/XX/XXXX I was at the XXXX XXXX store at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The dealership and I agreed on a monthly rate and we began the contracting process. They pulled my credit on XX/XX/XXXX and right after that they came to me and said. We made a mistake with the pricing and your monthly rate is going to be higher. I have excellent credit and the higher rate was due to them miscalculating something. 

I told them that that's on them, we agreed on the price already and that I will not be forced to pay more even if they already pulled my credit. I left the store and placed a complain about price gauging and credit deception with CFPB. I believe I was tricked to get my credit pulled so I can be forced into paying more. I never received a copy of my credit application. A month later I got a letter telling me what my credit score was. 

Today, on XX/XX/XXXX the XXXX XXXX store initiated a hard pull again, completely without my permission. I called them and they didn't seem to care. I called TU and put a dispute for the hard inquiry from today since I clearly did not give my consent to a second hard pull in a month. 

Ideally I would like both hard inquiries removed but at a minimum the one from today, XX/XX/XXXX must be removed since I did not give them my permission. 

Due to their hard inquiry my credit report dropped XXXX points. 

For more details refer to pages XXXX of my credit report attached.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/24 around XXXX XXXX  I received a call on my cell phone, caller ID said it was Bank of America. The phone number was XXXX. He asked if I opened a Bank of America charge card and i said no he said they were alerted because it was opened in California and he sees i live in Ohio. He asked if i knew anyone in XXXX XXXX and I said no. 
He said that I was a victim of fraud and he would have to connect me with the consumer protection financial department. He transferred me to a woman who said she was XXXX XXXX employee # XXXX and that her phone number was XXXX. She then proceeded to read off my entire credit report and all my credit cards and numbers and my social security number. She knew my balances and last payments made. She said there was high attempts made on 3 cards, my XXXX, my XXXX  and my XXXX XXXX. She said she would have to transfer me to a supervisor. She transferred me to a man that said he was XXXX XXXX phone number XXXX. He proceeded to say he needed to put holds on these cards read off the numbers and asked for the 3digit pins which I XXXX gave on 2 but did not have my XXXX card. He asked when i would be home to give the info and I said XXXX XXXX. He then proceeded to tell me that now since my Social was known to these people that I needed to transfer my checking and savings to a new bank that my money was no longer protected at XXXX. I said that made no sense and i would talk to my bank. I began to get skeptical finally. He said he highly recommended I transfer to XXXX or said go to another bank. I said i was working and had to go. He said he would call me at XXXX. I drove to XXXXXXXX XXXX on XXXX in XXXX and the banker looked up these phone numbers to find out I was a victim of their fraud. I contacted credit bureaus all cards and froze accounts. These people called my cell fir over an hour trying to get more info and i did not answer. They know everything about me and had my full credit report!
Consumer complaint received 2019-08-20
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. (FL)

On my credit report there are three duplications of the same accounts. XXXX XXXX is showing and then XXXX XXXX who purchased the debt with all the same information and details. In addition to that account XXXX XXXX is showing and then XXXX XXXX XXXX.with the exact same debt and details also being reported.
Consumer complaint received 2020-09-15
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. (CA)

TransUnion and XXXX  are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX XXXX is fraudulent on Account Number : XXXX
Consumer complaint received 2019-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

As of XX/XX/XXXX I fell behind on payments due to loss of employment and since then I have continued to call the lender and tried to qualify for a modification. The lender has always made it difficult as every time I call their is a new employee giving me different information of what documents to submit. Also their is no way for me to talk to an underwriter directly to better understand their request. I have also requested help from NHID to help me file to qualify for the modification, however just this past month XX/XX/XXXX the lender kept requesting a 4506T form and they kept mailing the old version of XX/XX/XXXX, but never told me the form was outdated and I needed to download the new one from the IRS page. I feel this has been the route of my horrible experience of wrong information given to me and now they want to sell my house.
Consumer complaint received 2019-10-10
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. (GA)

EXPERIAN, XXXX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : EXPERIAN XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} DEPT OF EDUCATION/XXXX XXXX   numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX  {$12000.00} Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018XXXX  : DEPT OF EDUCATION/XXXX  Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX : DEPT OF EDUCATION/XXXX  Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX  {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2019-10-10
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: JPMORGAN CHASE & CO. (IL)

had a flights taken with XXXX XXXX in XXXX price paid extra included carry on up to XXXX kg for each passenger ( have been paid for that extra ) XXXX XXXX was forcing me to pay for them as check in luggage they has been less of the size of carry on standard and was less then XXXX kg each they was also claiming them that the overhead bin is full and they needs to check in the luggage ( which is ok ) but they has told me you either pay or you not going to be on the flight in very insulting way! 
I have been ask from chase several times to open investigation but no luck
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (OH)

Submitted a payment on time by the XX/XX/XXXXof the month via the Macys app as agreed for the Pay Down Plan due to financial hardship. My bank took out an unexpected monthly fee so the payment was returned. When I called in to resubmit the payment, I was told that the account was no longer with Citi Bank and I could not make a payment because it was transferred to a collection agency. Then I received a letter in the mail to resubmit the payment. When I called in again to resubmit the payment, I was told the same information. I finally called in again and was told that the account was still with Citi Bank and the representatives that I spoke with before provided incorrect information. They could see where the letter was sent to me. I asked since I was provided incorrect information during my attempts to resubmit the payment, if I could be placed back on the plan and make payments accordingly. The representatives and supervisors are now ignoring that information and said I can make payments but it will eventually go to a collection agency. I was told that they cant provide confirmation of my payments and they will not change the status on my credit report from sent to another collection agency even though it is still at their office and they are refusing my payments.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX, CA XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Re : Demand to close credit card account -XXXX and Notice of Arbitration To Whom it May Concern : On XX/XX/2019 I called Wells Fargo ( the Bank ) and requested that my business credit card account, consisting of the primary card -XXXX and XXXX card -XXXX, be closed. 
On XX/XX/2019, I happened to log in to my Wells Fargo online banking profile and discovered that the XXXX card -XXXX was still open. I reached out to the Bank several times in writing to confirm that this card was still open and to request that it be closed. Each request was denied. 
This is my fourth inquiry into this matter. 
Please close credit card account -XXXX as originally requested and issue a {$100.00} courtesy credit for my time spent rectifying the Banks error. 
Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Business Credit Card Customer Agreement. 
Sincerely, XXXX XXXX enc.
Consumer complaint received 2017-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP (NY)

I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement withAMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX police report attached.
Consumer complaint received 2019-10-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I asked all 3 credit bureaus to perform an investigation into Portfolio Recovery 's negative reporting on my credit bureaus in XX/XX/XXXX. I was asking for validation of debt. On XX/XX/XXXX, I received a letter from Portfolio Recovery, which they claimed to validate the debt. There are many inconsistencies involved with Portfolio Recovery 's response. Portfolio Recovery claims that I owe {$550.00}, but they sent a statement with a balance of {$620.00} from XX/XX/XXXX. They also sent a " letter '' from XXXX XXXX, dated XX/XX/XXXX, saying the " debt '' was sold Portfolio Recovery on XX/XX/XXXX, however if you reference their response to my request for validation, Portfolio Recovery says this occurred on XX/XX/XXXX. Portfolio Recovery is reporting multiple dates, which differ from each other. I asked for a signed contract, and all they could provide me is an " account statement '' from XXXX XXXX, which was electronically transmitted. There are several cases, which state electronic transmission is not enough to verify a debt. If you reference all 3 of my credit bureaus, there are zero negative items from XXXX XXXX reporting on it, so how could this " debt '' even exist? I have an account with XXXX XXXX that was opened this year, however nothing with those dates that Portfolio Recovery is claiming. The statement from Portfolio Recovery also lists the " original creditor '' as XXXX XXXX, and if you reference my credit reports, there has never been an account that was ever opened with XXXX XXXX. Portfolio Recovery says that my " account '' was opened on XX/XX/XXXX, however a simple XXXX search will show that XXXX XXXX purchased XXXX XXXX credit  operations in XX/XX/XXXX, XXXX months before Portfolio Recovery is claiming, that I opened an account with XXXX XXXX. How did I open a credit account with XXXX XXXX  in XX/XX/XXXX, when XXXX credit accounts no longer existed? The inaccuracies, and outright wrong information is reason enough to have Portfolio Recovery to delete all negative information on my credit bureaus. They failed to properly investigate my inquiry, and are not negatively effecting my credit. They assumed without properly researching information, and Portfolio Recovery is harming my ability to obtain credit. In summary, Portfolio Recovery failed to properly verify the " debt '', is claiming I opened an account with a creditor that was not even open, when they are stating I opened the " debt '', sent account statements with conflicting information, and is reporting negatively to my credit, while there is zero evidence on any of my credit bureaus that these " supposed accounts '' existed.
Consumer complaint received 2019-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (TX)

This is same case ..from the previous compliant against Wells Fargo Auto Finance , the case nbr is XXXX. I got payment reports and letter from Wells Fargo ... same company, this is unresolved. There is no signature of the agreement to the 8 % interest rate since the banker offered me to refinance my truck for 6 % interest rate. I will have to check e mail from him. I will try to dig through my old e mail to find his e mail on the 6 % agreement. It is NOT 8 % I am to pay so technically, my truck is paid off and there is overpayments. I also will have to go to my storage in Texas soon to get the copies of the papers I signed. Wells Fargo shows you the forms with NO SIGNATURE of mine. So theirs is invalid. 
This will be UNRESOLVED until I get the proofs. Wells Fargo is known to rip off a lot of XXXX including deaf people. On FB when I mentioned of the Wells Fargo bank, a lot of people replied their hatred toward Wells Fargo. I am not surprised. It happened to me now ... tsk tsk
Consumer complaint received 2024-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: GOLDMAN SACHS BANK USA (WA)

I had opened a " Rate bump CD '' with " Marcus by Goldman Sachs '' and the CD got matured on XXXX XXXX. I wanted to close the CD since the CD is giving the same interest rate as the normal savings account. They are saying that you can decide what happens with the CD after maturity in advance but they do not show the rate at which CD renews in advance. There is no option to say only renew if I agree to renew. So they just auto renewed the CD. I got an email saying " Your CD is renewed '' on XX/XX/XXXX. So I contacted them about this and they said the CD was already renewed before 14 days and the grace period to make changes is 10 days only. I feel like I need to be contacted on the day the CD was renewed and not after 14 days. Only contacting after the grace period is over is unacceptable and is way to trap the customers.
Consumer complaint received 2019-07-10
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. (FL)

I have inaccurate information showing on my credit report that is negatively effecting my credit score and limiting my availability to new lines of credit. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - COLLECTIONS XXXX - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX TRANSUNION - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - INQUIRIES - XXXX, XXXX, Transunion have hard inquires on my report that I do not recall ever doing. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - MISSING INFORMATION - XXXX shows no information for my accounts -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ADDITIONAL INFO - Remove all security freezes or fraud alerts from my credit report immediately