davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX. Dispite sending them the letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, XXXX and TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my accounts : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX  XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 and XXXX XXXX XXXX Inquiry Date XX/XX/2023.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Received a notice of checking and savings account and debit card from Bank of America. Called Bank of America and had accounts closed. Initial date was XX/XX/2020 when account was initiated by unknown. Have also reported fraud with XXXX. Changed passwords on multiple areas
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MS)

I had an impending fairly large purchase so on XX/XX/XXXX I went online to Chase Visa and made a payment of {$5700.00}. ( Attachment A ) That payment was drawn from my bank on XX/XX/XXXX ( attachment B ) I actually did not get credit from Chase until XX/XX/XXXX and a charge of over {$3000.00} was declined by XXXX on XX/XX/XXXX ( because my account was not credited with the payment ) ( attachment C ) I was quite upset as I had been on a waiting list for over 5 weeks for the declined charge and by declining it Chase put me back on another waiting list. I contacted Chase and was told that they had not drafted the money but put a hold on it until XX/XX/XXXX. Obviously this is not true per attachment B. The day after I called Chase credited the account I have also included a copy of my Visa statement from chase
Consumer complaint received 2015-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENOVA INTERNATIONAL, INC. (MO)

NC Financial is reporting a past due on my credit report that is not my debt and no one wil remove it. Never signed a note with NC Financial and they have asked me to fax them sensitive personal and financial information that is not proper procedure for a legitimate company. Example would be a faxed copy of the police report and a faxed copy of my bank account number and information.
Consumer complaint received 2024-02-29
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. (PA)

Recently I have looked at a copy of my credit report and noticed several inaccuracies on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item i am asking you to verify as accurate : XXXX. XXXX XXXX XXXX XXXX XXXX ( transunion ) XXXX XXXX  XXXX XXXX XXXX XXXX transunion ) XXXX XXXX  XXXX XXXX XXXX ( transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2016-11-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (NY)

I have a loan with Wells Fargo, they are reporting it 30 days late, when they kept rejecting the payment from the bank. The account I have, has no check, so I am forced to pay it electronic. When I called them they told they have no clue whats going on. I finally paid it over the phone, but they still reported it 30 - days late. Their lack of communication and assistance was horrible. In addition their web site was of no help. It does not work half the time and they give you incomplete information. They do not seem to understand how to help on the phone with these issues. Even my bank XXXX advised me that they should be able to take the payment and they were of no help to their Bill Pay Department. Instead they try to force you to pay the amount over the phone and incur a fee.
Consumer complaint received 2018-08-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (VA)

Wells Frago Dealer Services ( WDS ) Cashed for posted dated checks before the dates indicated on the checks causing overdraft fees. 

I requested to speak to management and the representative " XXXX '' indicated he speaks on behalf of the President but was unable to make any decision. An would not forward my call or concerns to management. 

This careless effort on the part of this company is unprofessional and needs to be exposed to the consumer on their illegal practices.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (NC)

According to the new FCRA act any collections that are still reporting after 2 years need to be permanently removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NY)

Citi is not properly handling disputes. I called in and disputed a charge with XXXX. I told Citi that my authorized user did rent a car. That said, I received a second charge from XXXX claiming that my authorized user received a ticket while they had a car. They did not revieve a ticket though and did not receive a follow-up from from the Italian government. Essentially, the charge is bogus. I disputed the charge with some third-world employee at Citi and they said it would be taken care of. I call Citi to get an update and they tell me that they denied my claim because they need proof that I cancelled the service. What? What service? Apparently whatever third world employee took the claim put that I cancelled the car and that was why I was disputing it, which is not true. I clearly told them that this was an ad-on charge for a ticket that never happened. The rep I was speaking with told me the charge would go back on my card anyway and that I would have to make minimum payments until they update the dispute and correct it, which could take business weeks. I said that this was horrible customer service and that I wanted my account closed and would be filing a CFPB complaint. SHE TOLD ME IF I DID THAT THEY WOULD STRIP ME OF ALL XXXX AA POINTS I EARNED WITH THIS CARD. Then once I accused her of retaliation she told me that 8-10 weeks was 18 months. What? So there are two problems here : 1 ) they improperly handled my dispute and refused to correct it in a timely manner and in a way that did not harm me and 2 ) The rep retaliated against me for trying to close my account and filing a CFPB complaint.
Consumer complaint received 2018-08-04
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: Experian Information Solutions Inc. (IL)

Credit bureau is in direct violation of GRAMM- LEACH BLILEY ACT, 49 CFR 801.56, FCRA, FDCPA and numerous consumer protection laws.
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient has begun ignoring the payment instructions I sent them again. The instructions were dated XX/XX/XXXX and were received by them on XX/XX/XXXX. This is the SAME PROBLEM I reported in my previous CFPB complaint XXXX about Navient in XX/XX/XXXX, where they told me and the CFPB that they WOULD follow my instructions. Please see the feedback I submitted to that previous complaint as well, as they are also relevant. 

As only one recent example, my payment of {$210.00} received by Navient on XX/XX/XXXX applied {$19.00} to Loan XXXX, {$100.00} to Loan XXXX and {$91.00} to Loan XXXX. The amount due on these loans were : {$19.00} for Loan XXXX, {$20.00} for Loan XXXX and {$18.00} for Loan XXXX ( total : {$58.00} ). According to my payment instructions, Navient should have applied my payment as follows : {$19.00} to Loan XXXX, {$20.00} to Loan XXXX and {$170.00} to Loan XXXX. All of the {$150.00} extra principal from my payment should have been applied to Loan XXXX, the loan with the HIGHEST interest rate and LOWEST balance. I have attached Navient 's loan information sheet that shows their miss-application of funds ( {$100.00} to Loan XXXX and {$91.00} to Loan XXXX   ) for this example. 

I've included the relevant payment instructions below that were also included in my previous CFPB complaint against Navient. 
-- -- -- I am writing to provide you with updated instructions on how to apply payments when I send an amount greater than the minimum amount due each month. Please apply my payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal balance of the loan that is accruing interest at the highest interest rate.

2. If there are multiple loans with the same highest interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance.

3. If any additional amount paid above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal balance of the loan with the next highest interest rate and lowest outstanding balance.

4. Do not put any loans into paid ahead status or advance my payment due date.

Retain these instructions. Please apply these instructions to all future overpayments.

-- -- -- If I have to submit any further complaints about Navient, I plan to ask for monetary compensation for the time it takes to submit all past and future complaints ( about 2 hours each ). This is a ridiculous waste of my time.
Consumer complaint received 2023-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have been a customer of Wells Fargo since XXXX XXXX XXXX a XXXX  year mortgage paid off in XXXX XXXX XXXX  I am sure MY Home Mortgage would not have been the ONLY mortgage without problems during that time - during most years I was working an not able to keep up with all that was going on with the mortgage. I know the payment was increased regularly during the years the mortgage was in effect. Since that time there is a Heloc loan and a Auto loan. Social media says I should have been notified by now and I have not heard a word from Wells Fargo. I know they are very hard to get information from, when you call they never know who you need to talk to about any problems you may have. I am just seeking MY part of the payments they owe to their customers - Social media shows : Auto loan holders are owed at least {$4000.00} as part of the settlement. 

As for the Home Mortgage loans- Wells fargo has not even notified me about the problems and payments due. CFPB states : Those with mismanaged mortgages are owed more than {$24000.00}. 
As part of the settlement, Wells Fargo is required to notify customers and act swiftly on providing payments. You dont need to take any action to receive your payment. Some customers have already received their payments, says the CFPB.
Consumer complaint received 2022-03-08
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. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-08
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. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 data gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be delayed promptly. I de an these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and May have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MI)

I was a victim of fraud. The card was through XXXX, Citibank. Was turned over to debt collection called XXXX XXXX XXXX XXXX they continued to call send letters and threatened me until i just paid it. After paying it I still received letters from them stating it was unpaid!
Consumer complaint received 2019-04-19
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)

An account showed up on my credit reports new as of XX/XX/2019 that is not mine. It is with XXXX XXXX. I never opened this account and when I call the company and give them my ss number they say I do not have an account with them. I have disputed this account with the credit agencies like Experian and XXXX XXXX to take it off my report but they refuse to.
Consumer complaint received 2020-12-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Home Loan Center, Inc. (NC)

The company, Lending Tree approved me for a loan of {$3000.00}. They had me send money back through XXXX XXXX for verification as well as buy a gift card for some odd reason. Theyre still having me do unconventional methods to receive funds but still havent received my funds. I believe the company is fraudulent.
Consumer complaint received 2018-08-04
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)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. Bankruptcy Dismissed Ch XXXX Acct XXXX, XXXX, XXXX ( Experian, XXXX and XXXX  ), XXXX XXXX Acct XXXX ( XXXX, Experian, XXXX  ), XXXX XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( Experian ), XXXX  XXXX  Acct XXXX ( XXXX, XXXX ).
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (SC)

Sent in several disputes to the collection agency, and the the company. Was sent to their fraud website to fill out info several times and have still not received any info back. I have had it removed before only to continue to have it back on my credit because someone has used my social security number to open the original account and I was told the only way to remove it permanently was to dispute it on their XXXX XXXX fraud website. Which I have yet to recieve any replies.
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

This is my 2nd dispute with XXXX XXXX XXXX through the CFPB. XXXX XXXX XXXX is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines.XXXX XXXX XXXX response to my complaint was completely false stating " Our office is in receipt of the complaint filed by Ms. XXXX XXXX. We greatly appreciate the opportunity to respond. Contrary to Ms. XXXX assertion, please be assured that we did send her correspondence. We have no reason to believe she did not receive our letters because the letters were sent to the same address listed in her complaint and not returned by the post office as undeliverable. Furthermore, please be assured that we never received any request from Ms. XXXX for validation of the debt. Notwithstanding, we have placed this account on hold and requested verification of the account from our creditor-client. We will send the documentation from our client to Ms. XXXX if and when it is received. We trust this resolves your concerns. '' I find it outrageous that XXXX XXXX XXXX take such stance without providing documentation & a signed contract as requested. Additionally, XXXX XXXX XXXX is still reporting this derogatory account to my credit bureaus. Next step is litigation & pursuit of monetary damages for violating my rights. I have documented all my efforts.
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (SC)

On XX/XX/18, I received an update from XXXX  that a new negative payment had been added to my credit report. Upon investigation, I observed that Penn Credit Corporation had reported an account as unpaid in collection. 
I immediately filed a dispute, indicating that I had never had any written contact from Penn Credit Corporation that I could respond to with written dispute, and to inform that I have never lived in Florida, nor have I ever had any relationship nor ordered nor received any services from the company in question in the underlying account ( XXXX   XXXX XXXX XXXX / XXXX ). 

Although XXXX investigated the dispute, Penn Credit Corporation continued to report the item, despite never contacting me nor providing any written validation of debt from XXXX. 

I continue to dispute this item with XXXX, with Penn Credit Corporation, and with XXXX  XXXX XXXX  XXXX, and will not be held liable nor responsible for this claim. 

This item has made the rounds of several collection companies over the past years, and has been debunked and disputed each time, and will continue to be.
Consumer complaint received 2017-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

Applied for Income Based Repayment plan with Navient, for which I easily qualify ( household=1, Income= $ 12K ). Was only requesting IBR on new loans ( between 2014-2016 ) that I took out as a XXXX, independent student. 

Was initially told it would not be a problem, but was then denied. Was given an excuse about how they handle my loans internally within there payment processing system, but was told that they could change that and everything would work out no problem. 

Was denied again. Every time I called them, I was given a different excuse for why they could n't do it. Was eventually told reason for denial was because I also have one old ( 12 years ago ) XXXX loan that they are servicing. They told me that I would have to have my ex-wife approve the new repayment plan on my solo loans that were taken out 10 years after our divorce. 

After constant complaining ( they would never let me speak with a manager or supervisor ), a customer service person told me that I could get the IBR if I consolidated my loans. I was assured that this would work, since I would get the opportunity during consolidation to chose a repayment plan for just those loans being consolidated, Consolidation went through but they denied the IBR repayment plan again. But the IBR repayment plan application should have been applied only to the loans I was consolidating, for which I am qualified. No explanation given. 

At this point, I 'm convinced that Navient are just straight up liars. I really thought for a long time they were trying to help me, but there hands were tied. But in the end, they lied to me, and now I 've consolidated my loans at a higher interest rate and am still being denied the IBR plan for which I qualify.