davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

my vehicle loan opened in XXXX XXXX. I have had insurance since I purchased the unit. Fifth third bank took it upon themselves to add insurance to my account anyway. Causing my monthly payment to almost double. They never contacted me prior to doing that. I contacted them XXXX/XXXX/XXXX, when i went online to make a payment and saw the amount due. The rep was able to contact XXXX and verify insurance and was supposed to refund the insurance. Today is XXXX/XXXX/XXXX, and my account still is not correct. I should be current and next payment due XXXX/XXXX/XXXX. I have attempted to contact them to resolve, but keep getting transferred around.
Consumer complaint received 2016-07-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (VA)

A company named XXXX keeps calling my phone and hanging up. 

XXXX XXXX XXXX XXXX After receiving 5-6 phone calls from them in a row, I called back. 

They claim to be collecting a debt for my wife, but they have no documentation, I see nothing on her credit report ... Any attempt to get them to prove she owes the debt are met with threats of lawsuits. 

We just bought a house, we have no collection, no judgements. 

I am tired of being harassed for a debt I do not owe.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (IL)

please refer to case #  XXXX  regarding the initial issue with barclays cards ; on  XXXX / XXXX / 2017  I spoke with  XXXX   XXXX  of the office of the preside nt BCUS  at  XXXX  ext  XXXX  to follow up regarding my issue with the closure of my XXXX  cc. She told me that barclays will not alter their credit decision to close my account and by doing so harming my credit rating. She showed no concern about my issue or concern ; she did not resolve it or offer any alternative solutions. She is a disgrace as far as customer service representative especially form the office of the president! What a joke!. I have always been treated in this manner by barclays anyway. Both credit card accounts were current, never over the limit, payments more than minimum, never bounced checks! Shame!!!!!!!!!!!
Consumer complaint received 2020-02-20
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: NAVY FEDERAL CREDIT UNION (NV)

Today, XX/XX/XXXX at XXXX, I called Navy Federal Credit Union at XXXX & spoke with XXXX   to open a credit card charge dispute on my account for the following amount, {$8000.00} on XX/XX/XXXX. I spoke with XXXX and explained the fraud from XXXX XXXX DBA XXXX XXXX XXXX that took place on XX/XX/XXXX. Now, XXXX stated that she will open a credit card dispute but they generally except disputes within 60 days of the transaction date. Now, XXXX XXXX failed to disclose accurately about there company. XXXX XXXX told us verbally that members can get vacation packages trip 2 years in advance over any other resorts & that there membership is cheaper than XXXX XXXX. XXXX XXXX  notified us about yearly membership fees along with amount but failed to inform us verbally that they go up every year. The resort promised 2 free trips for attending, that we must use within 1 year which we later found out we cant use because the resort sell out 2 years in advance for Hawaii trips. These resorts mislead consumers like my spouse and I to join their resort. If we had known the truth, we would have NEVER became members. Now, we discovered the truth when we contacted XXXX XXXX on XX/XX/XXXX at XXXX, when we requested a trip to Hawaii for XX/XX/XXXX, for 10 people and were told that they sell out for there Hawaii trips 2 years in advance which means that these resort companies failed to disclose this information prior to signing the contract. Now, we never knew there was fraud until XX/XX/XXXX. We were not able to dispute this transaction until now because we contacted XXXX XXXX to resolve this issue but they failed to do anything about this matter. Then we filed complaints against the resorts with the XXXX along with the State of Nevada. As of today, we have not heard anything from the XXXX  or the State of Nevada! Again, XXXX said we generally have 60 days from the time of the transaction to file a dispute. In most cases, people know about the fraud with in that time. Since we didn't know about the fraud until XX/XX/XXXX, our 60 days should start at this time which means we should have until XX/XX/XXXX to file this card dispute which we want to do! We should be allowed to have all of our funds be returned to us in full since these resorts failed to disclose everything to everyone prior to signing the contract which does violate state law ( s ) NRS 119A.710 deceptive or unfair acts, NRS 119A.410 misrepresentation, and possibly NRS 205.330 for fraud. We request to be allowed to file the dispute for these charges and get all of our funds returned immediately due to the fraud that these resorts created.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (UT)

IC Systems # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

ON XX/XX/2020, A LETTER FOR VALIDATION OF DEBT WAS SENT TO CREDIT BUREAU SYSTEMS , INC . ASKING FOR A BREAKDOWN OF FEES INCLUDING ANY COLLECTIONS COSTS AND MEDICAL CHARGES ON 14 DIFFERENT SUPPOSED MEDICAL DEBT ACCOUNTS, A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THEM, AND TO CEASE ANY CREDIT BUREAU REPORTING UNTIL THE DEBT WAS VALIDATED BY ME. AS OF THIS DATE XX/XX/2020, I WAS PROVIDED BY CREDIT BUREAU SYSTEMS , INC. AN ITEMIZED STATEMENT THAT INCLUDED ALL PROCEDURES WHICH WERE PERFORMED, INCLUDING SPECIFIC LABS WHICH IS A VIOLATION OF THE HIPAA ACT. I WAS NOT PROVIDED WITH A STATEMENT FROM THE ORIGINAL CREDITOR THAT WOULD ALLOW RELEASE OF MY MEDICAL INFORMATION TO CREDIT BUREAU SYSTEMS , INC . NOR WAS REPORTING CEASED TO ALL 3 CREDIT BUREAUS. XXXX XXXX IS THE ORIGINAL CREDITOR AND I HAVE NEVER RECEIVED A BILL FROM THIS FACILITY AND I HAVE ALWAYS HAD INSURANCE TO COVER MYSELF AND MY DEPENDENTS TO COVER ALL COSTS.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

CONTACT INFO DEPT OF ED / XXXX {$20000.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2020-02-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Immediate Credit Recovery (TN)

I received ppwk today from my payroll department who sat on my notification since XX/XX/2020 for Wage Garnishment started XX/XX/2020 for {$100.00} per pay period. 

This account is being collected by Immediate Credit Recovery , Inc. and this company has now almost tripled the amount that I am required to pay back. 

The loan was originally for right around {$11000.00}, but the 3rd party collection agency is now charging me {$36000.00}. I will repay the loan through wage garnishment, however, the interest I what I have an issue with and will not pay the interest. The original creditor is U.S. Department of Education XXXX. 

I do NOT want to deal with Immediate Credit Recovery , Inc., because they are too much of a hassle and want entirely too much information which is difficult for me to obtain and takes too much time to deal with as they call, constantly. 

I also never received anything in writing from them, before this notification, over the last year. I want someone from the Department of Education to deal with the collection agency and tell them that no interest will be paid to the agency, above what the actual amount of the loan, is. Immediate Credit Recovery , Inc.,  are RipOFFS! No ONE should have to pay that Much interest.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am paying my {$25.00} Capital One credit card bill today XX/XX/2020 by checking account by phone, but was told that my checking account number is invalid. 
I called my banking institution to verify my routing and account number ; bank officer verified both are valid. 
I tried again to pay my bill via phone, but was given the same answer by the automated system that my account is invalid. 
I will be charged an exorbitant late charge fee after today, XX/XX/2020, if the payment is not accepted by the company today.
Consumer complaint received 2020-02-20
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. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me our a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$230.00}
Consumer complaint received 2020-02-20
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. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me our a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$230.00}
Consumer complaint received 2019-07-11
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. (MD)

To whom it may concern, Please note that I have made multiple attempts to work with TransUnion in removing the erroneous reporting of a Dismissed Bankruptcy from my credit report. Based on the reported information from TransUnion, they stated a 3rd party company named XXXX provided the information. Maryland federal courts do not provide information related to public records to 3rd party  companies like XXXX XXXX or any other for that matter that TransUnion stated provided the information. 

The following are the dates that I attempted to dispute the reported information. 

XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing on behalf of my mother, who is XXXX. I recently received power of attorney over her affairs. 

Starting no later than XXXX XXXX and possibly before then, somebody provided XXXX XXXX with the information necessary to charge their bill to my MOM 's account. As an elderly person, my Mom did not adequately check her bank statements and was debited via ACH over {$200.00} per month without any authorization. 

I contacted Bank of America and they disputed the previous three transactions and said that is all they can do. I contacted XXXX XXXX XXXX team and they confirmed for me that XXXX does NOTHING to verify that when they are given an account number and routing number, it actually is authorized. The name of the person who did this is NOT the same as my MOM 's or even close. XXXX said there was nothing they could do ( other than give me {$600.00} credit to MY XXXX account as my Mom has a phone on my account ). Keep in mind : my MOM has NO relationship with XXXX directly. She just has a phone on the XXXX network through my account. 

I think XXXX is skirting ACH rules that require their originating bank ( or them through contract XXXX to require further verification that a routing number/account number is indeed authorized to debit money from said account. Plenty of places use micro deposits or voided check to do this. XXXX told me multiple times they do NOTHING and rely on the consumer to protest invalid transactions. 

This is elder abuse. I want XXXX to refund ALL the money to my Mom 's account.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (FL)

I closed on a refinance loan on XX/XX/XXXX. 

1. I spent over {$5000.00} to buy down the interest rate because I was told that my home did not appraise and they changed the rate. Even after another home closed next to me in my neighborhood during the loan process at a much higher price, they still would not change the appraisal. I was not able to change to another lender because the rates skyrocketed in a two week period so I closed on the loan. 

2. Two mortgage loans appeared on my credit report showing they were opened on XX/XX/XXXX by two different loan servicers. The first payment showed as XXXX even though it was not due until XXXX and paid in XXXX. 

3. My deed has not yet been recorded with the county as of XX/XX/XXXX. I have not received the official deed or my title insurance. When I asked for it, I was provided with a copy of the closing documents which included what they called a deed. I have never seen a deed that has all these payment terms and stipulations on the deed itself. It is leaving me to question the terms I originally closed under and the business practices of the lender. It is very confusing and I have had many home loans during the last 30 years. I have never experienced this. 

I do not completely trust the lender is capable of servicing my loan correctly after these incidents.
Consumer complaint received 2020-02-20
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ORG GC GP BUYER, LLC (TX)

On XX/XX/XXXX, I spent several hours on the phone with GC, which is a debt collector for XXXX, and they took my personal information including new address and phone number. I received emails with documents to sign that were docu-sign and none of my personal information was updated on these forms. These forms look like the same forms that are on the studentaid.gov website that is filled out for paying back the loans. I had my wages garnished in XXXX without my knowledge for a while until my employer told me, or actually, the payroll debit was who told me, it was money network who told me, which was odd, and then my XXXX tax return of {$1300.00} was taken for the tax offset. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-02-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

This is a follow up to my complaint XXXX. Given Freedom Mortgage has not replied other than to have someone named " XXXX '' call me from phone # XXXX and leave me a call back # XXXX which is a fireworks company in XXXX IN. 

I am submitting the document I sent them today ( for the 3rd time ) showing that their harassment of me is completely unfounded.
Consumer complaint received 2020-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I did not get this card. I have not lived in that apt since before it was dated. 
there is a XXXX balance that has not been paid- it is affecting my ability to buy a house. my credit has dropped significantly.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (GA)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. This medical collection is a violation and must be removed.
Consumer complaint received 2021-06-15
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. (FL)

Since XX/XX/XXXX I have been disputing a DISMISSED bankruptcy that is reporting on my credit report. The bureaus have never once responded out to any of my disputes or advised me if the account was verified which it legally can not be since the bankruptcy court can't verify it! I not only disputed on XX/XX/XXXX but also on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and again today on XX/XX/XXXX. I have also file 2 complaints with you about them not responding and I STILL have nothing!
Consumer complaint received 2024-05-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I opened a Chase savings account connected to my checking account. Rules were if I set up an automatic transfer from checking of {$25.00} or more per month there would be no fee. They asked for a name for the transfer I supplied XXXX. 
These appeared as XXXX XXXX for a couple months - {$100.00} of every deposit In XX/XX/2024 there were 5 such automatic transfers, only the description changed to Online Transfer with the first XXXX transfer and that has continued into XXXX. 
On XX/XX/XXXX my account was charged a $ XXXX  Monthly Service Fee. 
After a long time on the phone with them, including a transfer to a supervisor, I was eventually told that I was charged the fee because my transfers appear to be one time online transfers and not automatic transfers with no explanation as to why they are still coming out automatically on the date of every deposit and not initiated online by me - its still Chase doing them, but the supervisor refused to admit this or offer any help as to how to fix it. 
She said she was reversing the fee as a courtesy and also that she was initiating an investigation but refused to tell me ( when I asked ) whether or not Id be told the results of that investigation. The most she would commit to was to put a note in that Id requested to be informed. 
She was unable or unwilling to offer any idea how to fix it going forward. 
Honestly I care far less about the XXXX  dollars than I do about this nagging suspicion that a whole lot of Chase accounts have this happen after a few months-when people arent paying attention any more as its clearly a programming issue on their end She also, by the way, blew off my question about where in the government I could complain about this by saying they would file that complaint for me.