davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (NC)

On XX/XX/XXXX, I had a payment returned payment that I had made to Continental Finance aka XXXX. Once I realized the error, I made a payment of {$120.00} ( XX/XX/XXXX ) and {$80.00} ( XXXX ) to cover and then a regular payment of {$30.00} on XX/XX/XXXX. Today, when I looked at my account, my balance has increased from ~ {$500.00} ( on XX/XX/XXXX ) to {$600.00}. I have not used the card in months. 

I called the company around XX/XX/XXXX to inquire about the balance and what transactions make up the balance due. The customer service rep just kept saying I was past due and needed to pay {$120.00} asap. 

I have asked several times for a statement of charges/payments but they will not provide. When I look under statements online, it just says " no statement available ''. 

I can not figure out why my balance keeps increasing, although I am making payments. I realize there is a late charge and a returned check fee but I have paid {$230.00} over the last 2 months so I should be up to date. My current payment due is {$160.00} and I can't get the company to tell me why or what transactions have posted to my account. How is it that I continue to pay ( haven't used the card in 2 months ) but the balance keeps increasing?
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

For the second time Wells Fargo today, XX/XX/19, placed a hold on a local check that I get from the same person, same account, same amount, each month, since I have been with WF, about 2 years.This same monthly check from the same bank account for exactly same amount has NEVER returned. I have had checking overdrafts unfortunately but have overdraft protection. Last hold was three months ago.WF held deposit -same checking account as today & same amount & same source- from local bank for TEN days. Main complaint : WF doesnt warn you of the hold until after you have endorsed the mobile check as being payable to WF only.THEN comes the warning about the 10 day hold., TOO LATE! CHECK ALREADY ENDORSED! I cant back out so no warning at all. Never have deposited a bad check. Check from local bank, less than {$800.00}, always clears, no issues from past depositing.
Consumer complaint received 2019-09-21
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. (GA)

In a complaint dated XX/XX/XXXX to the CFPB regarding XXXX account # XXXX the original creditor ( XXXX ) has acknowledged in writing that the last payment on this account was XXXX XXXX for XXXX forwarding this letter to Experian in XXXX dated XX/XX/XXXX # XXXX, and on XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX, Experian continues to parrot their XXXX system and not properly investigate the issue of two additional payments appearing on this accounts payment history for the months of XX/XX/XXXX and XXXX XXXX are willfully and neglectfully reporting information that does not exist, see original crediter letter and credit reports from XXXX XXXX and XXXX XXXX 
The FCRA says I am entitled to an accurate and error free credit report, but Experian seems to think they can report what they want. 
I demand that Experian be sanctioned for willfully violating the FCRA with undue malice as this erroneous reporting has caused me financial harm.
Consumer complaint received 2021-11-11
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. (TX)

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX ( Auto ) XX/XX/2021 XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX  XXXX ( Miscellaneous ) XX/XX/2021XX/XX/XXXX
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

XXXX a check an unauthorized user got into my account and deposited a check while I was in the hospital.I immediately informed the bank and the customer service rep stated someone tried to call and access my account by phone and was directed to gong to the branch because they did not have the proper identification to identify me.The credit union never took the time out to protect the customer i put in my complaint ask them go run the tape when the deposit was made heard to conflicting stories one was the check was deposited and funds were not available. Now im.hearing check was deposited funds were drawn out T the same time of deposit I sent in document showing I was in the hospital then I was sent a decision letter stating I owe XXXX dollars but then said on phone XXXX they never looked at the claim just focus on how they were going to get the money back when they allowed an unauthorized user to go into my about and want me to pay for it and then I discovered they closed my savings with no notice no phone call I would like justice with my account people koin this credit union for the o and honor of love ones who fought for our country none of this is taken in consideration they restrict your account on things that they allowed to happen when they ate suppose yo be protecting the customer
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (NC)

I signed up with First Tennessee in the fall of XX/XX/2017. As part of this, if I met the requirements I would receive a {$300.00} bonus using the promotional code XXXX : open an account with at least {$300.00} and have at least one direct deposit post to your account within 60 days of account opening. I met both but they did not honor it, now saying it was for only those targeted by their mailer which was not the case when I signed up.
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TX)

The aforementioned credit collection agency representing XXXX XXXX XXXX  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If PLAZA SERVICES does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX, I noticed a charge for {$19.00} on my bank statement that I did not make, from " TU *TRANSUNION XXXX CAUS '' dated XX/XX/XXXX. 

I investigated and found that this {$19.00} charge had appeared every month since XX/XX/XXXX. There was also a charge for {$1.00} on XX/XX/XXXX. 

I called the XXXX number to report this and was told that I had signed up for their credit monitoring service. I explained that I had not signed up for it, did not want it, and had never once used it. I requested a full refund. They said they could only refund 12 months of charges. I asked to speak to a supervisor and was told that I would receive a call back the next day. 

A different representative called back and offered a refund for only 4 months of service. I told her that the previous representative had offered 12 months, and that I would like a full refund for a service that I had never used or ever wanted to subscribe to. She offered to cancel the subscription to avoid future charges, to which I agreed. I asked to speak to another supervisor about the full refund and was told I would receive a call back. 

A few days later, I received a call from a third representative and explained the situation again, and was told again that they would only refund 12 months of charges. I told her that if I did not receive a full refund, that I would file a formal complaint with the CFPB. Until now, I have not received any compensation from TransUnion.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.
Consumer complaint received 2023-04-05
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)

I sent via certified mail XXXX rounds of letters to Transunion on XX/XX/23 and XX/XX/23 and the accounts listed below still remain on my credit report and have not been fully validated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-03-30
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis (AZ)

The following accounts listed on my Innovis Consumer Report are all fraudulent accounts : XXXX XX/XX/XXXX XX/XX/XXXX # :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX MasterCard # :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXXXX Rewards Visa # :XX/XX/XXXX, XXXX XX/XX/XXXX # : XXXX, XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XXXX XX/XX/XXXX# : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX # :XX/XX/XXXX. The above accounts are all fraudulent accounts and not my accounts. I been receiving harassing and threatening telephone calls of profane, vulgar and and abusive language, garnishment of wages, job loss, being sent to jail and prison, violence and death from the above creditors Debt Collection Representatives. This is extremely concerning, disturbing, disgusting and frightening for me to be receiving threatening and harassing telephone calls of profane language, violence and death. I am in fear of my life. The above creditors are in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. Innovis should not have these fraudulent accounts on my credit report. Innovis is in violation of the Fair Credit Reporting Act under Federal and State laws for reporting inaccurate information on my consumer report.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

THE ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.
Consumer complaint received 2019-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have ( 1 ) late payment and ( 1 ) deliquent account and my credit score still remains below 600.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

THE ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AZ)

In late XX/XX/XXXX, I asked to have my payment lowered ( {$2000.00} per month ) for an income-based repayment plan. I provided the correct amount of my income and provided the documentation in the correct timeframe. I was then placed on a forbearance dropping my credit score by 20 pts, but not for a single month as I asked. It's until XX/XX/XXXX. I didn't miss a payment and am in no way derelict. I called Nelnet and tried to resolve the matter and all the respondent did was repeat that I was under obligation to fulfill my promissory note. I still don't know what's going on or how to fix it.
Consumer complaint received 2019-09-21
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. (HI)

On or about XX/XX/XXXX we began a car note on an XXXX XXXX that we bought on XXXX financed by XXXX XXXX XXXX XXXX. ( it's been paid in full for many years. ) In XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX tried to force us to pay additional insurance that they chose to purchase " for us ''. We told them that we would pay the car payment in full but not the XXXX. They said if we didn't pay the forced XXXX that we didn't want, that they would report the payments as late regardless. 

Over the next several years we literally called them ( and the credit agencies ) 100 's of times trying to get them to remove their incorrect late reporting. They refused and never took us seriously, hanging up, laughing and stating they would never remove the lates under no conditions. 

Fast forward to present day, a few months ago, XXXX XXXX was order under a settlement agreement ( case no XXXX ) to remedy these credit issues. ( see XXXX  ) we were part of this class. 

So for the last several weeks I have been calling ( again several 100 times ) to get them to follow the settlement agreement and stop reporting the false lates they put on our record. Instead of taking that seriously they have called me every name in the book, hung up on me, threaten me with injunctions, and refused to comply with the settlement agreement. When I called several 100 times they, can not get whom is handling my case, put me on hold for hours, and hangup while telling me lies about call backs that never come. Weeks past and on XX/XX/XXXX they committed an additional act of fraud. 

I woke up to an alert from XXXX XXXX  that " XXXX '' ( weirdly spelled by the way ) had done a hard inquire on my Equifax credit. We DID NOT authorize this in any way to say the less, it was a shocking. 

When we called to let them know and demand that they immediately correct the fraud, one of their employees laugh and said " you shouldn't have XXXX with us '' we are not removing the inquiry. 

I have since reach out to the highest levels ( see screen shots of me alerting XXXX XXXX the CFO of XXXX XXXX ) of their banking institution and even he was more concerned about the " words '' I use and regulating my speech then confronting the retaliating fraud their employees committed. 

They have since threaten me with an injunctions. ( by the way I got one of their employees to admit that they could actually not even find " evidence '' of the inquire which underlined the fact that it was definitely retaliation and fraud. )
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, AND BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDI AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (IL)

I have been trying to access my student loans for several weeks. I can not register an account with aidvantage because it tells me my ssn and/or dob does not match their records. I can not use the email/online tools to contact them without an account. If I call, the automated voice prompts me to go online for help. I am going insane trying to just be responsible and pay my loans. This is insanity and AWFUL customer service.
Consumer complaint received 2019-09-21
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Consumer Financial Protection Bureau To Whom it may concern : Im contacting you to complain about a fraud that was done when someone paid for purchases at XXXX and paid for them with my savings account at Bank of America using a debit card. 
I talked to Bank Of America thru the call center and the supervisor and showed the data that I have to show that purchases totaling {$14000.00} were not done or authorized by me. I have printed the chat with XXXX, my traveling passport that shows that I was not in the US when these purchases were made and I sending you copies. Then Banks only response is that I have been in the XXXX website numerous times and did not notify these unauthorized purchases so they assume it was me. They should be investigating who actually made these purchases and where did they go. 
Ive talked to XXXX, I have copies of the chat which Im resending to you, and to the Bank, where they say that the account was created with my personal information and with the data I supplied obviously they dont believe me and that is the reason they can not give me the IP and physical address were the purchased items were delivered. If the Bank thinks there is fraud, then the Bank can request the information and XXXX will supply it. 
The Banks keeps telling me that because I did not notify them within a certain time the Bank will not return the monies to my account. I know the Bank is responsible to protect my money and all they say is Im sorry. Seems to me that they are protecting someone, in this case, someone within the bank, someone that obviously has mi information and knows that I was not checking my balances, I just pay the balances on my credit card, and my savings account do not check it. My credit card is linked or used to pay XXXX but not the debit card, my debit is not, and this is the card that was used to pay for the purchases. 
Ill leave in your hands all this information, but I want the Bank to get me the IP of  pc or phone where the purchases were made and the address to where they were delivered.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

i wrote your company last month on XX/XX/2024 and im being ignored which is a violations as my rights. By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation
Consumer complaint received 2023-01-27
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.