davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I have had countless problems with my loan company. To begin with, I was never contacted by the company after my grace period had ended. Around 6 months later, they finally contacted my father. At this point, my loans were completely delinquent. This slip up RUINED my credit score. I couldn't do anything. I couldn't buy a car on my own. This had dropped my, previously acceptable, credit score into the 400s and I was told they couldn't do anything about it. As if that wasn't enough, several years they did it to me again! I apparently had another secret 9,000 - 10,000 dollar loan that I didn't know I had. So now, on top of my already monumental student debt, I have ANOTHER loan that I'm not entirely sure where it came from. Again, they sent all this information to my father without ever even contacting me. I can not stand this company. My struggles have been ridiculous.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (WA)

In XXXX of 2017 my grandma called to tell me a debt collector had called her and said I was being sued for an old payday loan. I called the XXXX number she gave me and someone claiming to be with automated accounts told me I was about to be sued unless I paid {$260.00} and some change asap. As I recal the scammer had my social security number too. I paid {$260.00} with my debit card which is a prepaid card from XXXX XXXX. 

I did not realize that was a scam until a few weeks ago when the real creditor called me and told me it had not been resolved. I looked up the {$260.00} transaction in my records and googled the XXXX number associated with the charge marked as Regional. It came up as a common scam. 

So i disputed the charge with XXXX XXXX. They came back 2 weeks later and closed the dispute telling me it had been over 120 days since the charge so they could do nothing. 

I am going to cut up my prepaid cards and not use them anymore if they are not going to even attempt to recover my stolen money.
Consumer complaint received 2022-02-16
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: DISCOVER BANK (PA)

In XXXX and XX/XX/XXXX, my Discover credit card had XXXX charges from XXXX, which I never purchased anything from, nor could anyone else. The website has no telephone number, no email address, and no street address or XXXX XXXX XXXX After a XXXX, Discover gave me credit for those charges. I cancelled that card the day I received my XXXX statement and asked for a new card. At the end of XXXX, I received a statement for that card and found XXXX more fraudulent purchases from the same scammer, called Discover and reported the problem. I also asked why they didn't block those charges since they should have known it was a scam ; I was told that the charges were " probably pushed through, '' whatever that means. The last of XXXX, I received a statement from my XXXX credit card, which I have never used or activated, that was for XXXX {$160.00}. ( I never received a statement for XXXX or XXXX ) So, someone in Discover activated my card. In late XXXX, that same credit card statement now said I OWED {$110.00}, and the company had transferred those XXXX fraudulent charges to the card. When I again called the fraud unit at Discover, a XXXX  told me that I had told them that the charges were legitimate - at that point I told her that was NOT true. Then XXXX said an investigation was ongoing! I called again, talked to another fraud XXXX, and was told I now owed {$11.00}, yes, {$11.00}. She also told me I had not paid for XXXX purchases from last summer and that Discover double credited me, that was why they didn't owe me. If I owed money from last summer, why didn't they bill me in XXXX or XXXX, charge me a late fee, or transfer those charges on the XXXX bill? Why wait till XX/XX/XXXX? I also received a threating email before I called on XXXX XXXX that Discover would report me to the credit bureaus if I didn't pay them the {$110.00}. by XXXX XXXX Something is seriously wrong. Oh, yes, I always pay the total bill each month, and have done that for the many years of having the card.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently had to buy a new vehicle and I found out that TransUnion has not been reporting my payments on my used car loan that I have been paying on for nearly 5 years. I contacted my lender and they told me that they send the information to all 3 credit bureaus every month. I have never missed a payment and that is my oldest credit on file. Since I didnt have that credit showing and I have to get another vehicle I ended up with an insanely high interest rate. I used my credit union ( XXXX XXXX XXXX XXXX ) for the first loan that still isnt being reported through TransUnion and thats who I got my new loan through. Even though they new my situation they didnt seem to care about helping me figure out how to fix the reporting. I called TransUnions phone number and their number employees didnt understand what I was telling them and they kept getting disconnected from me. I asked my credit union if I could get everything fixed with TransUnion if they would let me refinance and they told me that they dont refinance just so people can have better interest rates.
Consumer complaint received 2019-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Made XX/XX/XXXX Mortgage payment at Branch XXXX at XXXX XX/XX/XXXX cash payment received collection calls that afternoon, evening and Friday through out the day. I called bank escalated call to be told payment received but was not posted. Zero explanation provided advised that department had gone for the day. Was advised posting problems occurring within banking system. XX/XX/XXXX and the payment still shows on wellsfargo site as received and UNAPPLIED. 
Well Fargo sent me a statement and it also shows payment received XX/XX/XXXX and UNAPPLIED. Its now been 10days that Wells Fargo has FLOATED my funds as prt of their cash flow because theyve FAILED to apply my money to my mortgage. I dont care that Wells Fargo claims they will properly apply my payment and ensure its properly reported to credit bureaus. I care that Wells Fargo has BORROWED {$1400.00} of my money and most likely countless others to bolster their cash reserve numbers without permission nor compensation to those of us whose money WellsFargo has high jacked.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

i have sent experian more than 8 letters since XX/XX/XXXX regarding this account on my credit report by the name of XXXX XXXX  and another of XXXX XXXX XXXX. they continue to verified as accurate eventhough when i point oout all the inaccuracies and violation on this accounts, XXXX XXXX reports as open which is not, it has been closed since XXXX, i disputed with the creditor also and they did not place the " notice of dispute '' not the creditor nor the credit bureaus, XXXX XXXX XXXX the same thing, this account reports a late payment every single month eventhough it has been closed since XXXX, the creditors ignores my request of disputes and the credit bureaus continue to verify inaccurate accounts in violation. XXXX has been the same exact issues. how can XXXX see the inaccuracies and violations and remove these accounts, but experian and XXXX  wont see them???
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

i have sent XXXX more than 8 letters since XX/XX/XXXX regarding this account on my credit report by the name of XXXX XXXX and another of XXXX  XXXX card. they continue to verified as accurate eventhough when i point oout all the inaccuracies and violation on this accounts, XXXX XXXX reports as open which is not, it has been closed since XXXX, i disputed with the creditor also and they did not place the " notice of dispute '' not the creditor nor the credit bureaus, XXXX XXXX card the same thing, this account reports a late payment every single month eventhough it has been closed since XXXX, the creditors ignores my request of disputes and the credit bureaus continue to verify inaccurate accounts in violation. Transunion has been the same exact issues. how can XXXX see the inaccuracies and violations and remove these accounts, but XXXX and transunion wont see them???
Consumer complaint received 2022-07-27
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: General Motors Financial Company, Inc. (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXXXXXX GM FINANCIAL XXXXXXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

I have advised these individuals of the severe difficulties I have faced this year in burying my XXXX and my XXXX. I have spoken to this company on multiple occasions and offered resolution options that I have available to me. 

This company continues to deny my offers of resolution and continue threatening the negative impact to my credit as well as holding that in their negotiation tactics. 

If this organization is not willing to accept the resolution option that has been presented than it makes no sense that they continue contacting me via US mail or by telephone. 

I refuse to continually feel hopeless with regards to this account because the Dollar amount that I have offered, which is a fair offer, continues to be balked at by these collectors. I have XXXX XXXX XXXX XXXX and can only pay {$120.00} as full resolution to resolve and remove this negative situation from my life
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

Ive never done any business with this company and they have not verified this account that they put on my credit report. They are violating several laws including but not limited to 15 USC 1681a ( d ) 2 ( a ) i which means they shouldnt report anything between me and the company to the credit bureaus.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (CO)

Bait and Switch Advertising... XXXX... .Lendingtree is Advertising a Interest Rate ( APR ) that is not real and is false. This feels predatory in nature. Once I clicked on the ad and gave my information on the website, 5 diff banks called me and said the rate does not exist. So, I called the Lending Tree Corporate and spoke to XXXX XXXX XXXX XXXX about this. They had no explanation or solution. Thus, I opened a case # XXXX. I have copies of this email that was send out to several hundred thousand people and this rate is not available and is malicious in nature. As I time this email, I am continuing to get calls about a rate that does not exist. 

They advertise a 2.03 % 15 year Fixed Rate in order to get people to call in then they switch you to a higher rate or different product. Not one of the lenders could account for this discripency. I am ready to move forward with the 2.03 % 15year ( fictional ) rate, but yet no one can give this too me per the ad. I ahve a copy of this ad, please feel free to contact me at XXXX or XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (FL)

NEW INFORMATION, NOT A DUPLICATE COMPLAINT. On XX/XX/2022 I had filed a complaint for 2 reasons. The first was their non response to the ( XXXX XXXX XXXX ) attempts I made to communicate with them via USPS Certified Mail. The 2nd was because I never received any notifications from the company. In the companys response, they allege that XXXX notices were mailed to the address listed in the complaint, yet no information was provided as to what dates they were sent. I have informed delivery through USPS. Aside from being told to rest assure, I am willing to go through each email received for a month time period for each of their alleged attempt. Additionally, they never addressed their reasoning for non response to my previous attempts to contact them. I provided proof that they were sent and delivered via USPS Certifed mail. Does CCS have such proof of their alleged XXXX letters sent to my address? Furthermore, with this being their only communication Ive received from CCS, I feel my rights under the FDCPA were violated as there was no mini Miranda on their communication to me.
Consumer complaint received 2018-11-28
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. (NV)

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2023-03-28
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. (CT)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or correct the following items that are hurting my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-13
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 (CO)

Bank of America fraudulently charge me {$12.00} / month for 3 years without notifying me in any statements because my minimum savings dropped below their threshold after I paid my taxes from their account. I spoke to multiple people across customer service, retention, fraud, and in person and not one person was able to support. Its taking advantage of consumers because theyve notified me of other accounts but failed to share this and refused to issue a refund once requested. My balance got too low so I owe THEM money? BOA is not friendly towards consumer bankers.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

My fiancee sent me {$150.00} to my chime banking account to withdrawal for her while I was at my local XXXX nj XXXX atm owned by XXXXXXXX XXXX the atm approved my transactions started to count the money, continued counting it several times before displaying a failed to dispense error message. Which to me indicated the machine had run out of money. My banking ap sent me an in app notification that the transaction had failed due to low funds and that my over draft protection couldn't cover it even tho I was withdrawing the exact XXXX XXXX i was just sent. I figured the next day the money would be back in my account but to my concern the transaction was suddenly approved. I immediately contacted the bank and they said the only thing they can do is file a dispute which they did on my behalf. The next day i was told they ended the dispute with zero evidence and zero contact from the merchant. I then contacted them again to refile the dispute and to ask for information on why it failed, they said they would send me the info and refile the dispute. They did not refile or approve another dispute. I then contacted XXXX XXXX to see what can be done since it was their atm, they said the only thing that can be done is to file a dispute with my bank and contact wawa. I then reached out to XXXX customer service and have yet to hear back from them about this issue that occured on XX/XX/XXXX XXXXXXXX XXXX  As of now my fiancee 's money has been stolen by one of these institutions and has caused her to default on her credit card payment plan which has ended the agreement plan she had set up. I am concerned the security footage showing me not receiving this money will be gone by the time i hear anything more on this issue and am at a loss as no one seems to care or want to even help in this issue. The transaction would be fully on video camera but as all transactions want paperless i do not have a receipt as well as the transaction failed initially so i did not receive one either way.
Consumer complaint received 2022-02-16
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. (MO)

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-05-25
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX i contacted XXXX XXXX XXXX XXXX to report unautorized charge on my Citi Visa card, after a long time on the phone automatic system finally I spoke with the rappresentative, long story shorth : she closed the account on the spot ( so now I'm unable to use it myself ), send a replacement over nigth to my home address ( my PO Box address 7 days or my house overnitgh ). 

I found out that my daugther wile making a XXXX purchase on XX/XX/XXXX she was charged on unknown cc #, ( my cc # ) she has my same last name, but she has not my CC # 's. so the miss charge was XXXX error. 

Now XX/XX/XXXX I want to report to Citi Card that the charge was NOT a fraud, but have been unable to do so, because when I call the XXXX XXXX XXXX XXXX ph XXXX for citi card, has soon as I enter the last four # of my cc the line drops. 
So I'm unable to contact they'r customer service.