davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (FL)

On XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XX/XX/XXXX I responded to XXXX via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, XXXX XXXX ( " XXXX '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, XXXX   is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to XXXX. XXXX is collecting on an uncollectible debt- conveyed to XXXX by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and XXXX continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (DE)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-09-26
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. (OK)

This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act Convergent and according to 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 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX XXXX Account # XXXX 7. Account Name : XXXX Account # XXXX 8. Account Name : XXXX XXXX XXXX Account # XXXX 9. Account XXXX : XXXX XXXX Account # XXXX
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/XXXX I received a billing statement for my XXXX XXXX XXXX XXXX credit card issued by Comenity Bank. The Statement Balance amount was {$170.00} with a Minimum Balance of {$36.00} needing to be paid by XX/XX/XXXX. I paid the entire {$170.00} online for XX/XX/XXXX and such payment was reflected on my online transaction history ( see attached ), as well as on my XX/XX/XXXX billing statement. I scheduled the XX/XX/XXXX payment on XX/XX/XXXX and selected to pay the " Current Balance '' when I made such payment to ensure it would be at a zero balance. The disclosure on my statement says " HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the dues date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of the purchase. 

My payment was posted on XX/XX/XXXX. I did not make any additional charges AFTER paying off that balance. Generally, my other Comenity issued credit cards disclose the balance and any Min. Amounts Due in the email template ( e.g. XXXX and XXXX ). On XX/XX/XXXX I happened to hit the CTA on my XXXX Bath and XXXX emailed statement. To my surprise I had a PAST DUE balance. I immediately paid the balance thinking that I must have made an additional purchase that I forgot about. On XX/XX/XXXX, I received a notice from the CRAs that my account was being reported as 30 days past due. While I did still receive email notifications regarding monthly statements from XX/XX/XXXX - XX/XX/XXXX, there was only a CTA and no balance information or past due email warning in any of my emails so I had assumed the balance was zero. Additionally, I did not receive any new purchase alerts and I already paid off my balance by the Due Date back in XX/XX/XXXX, so not expecting a balance of any kind. I called to dispute the credit reporting status with Comenity and was told that in XX/XX/XXXX, after I paid the full balance, I was charged an additional {$3.00} interest on XX/XX/XXXX. I was confused by this since I paid the XXXX XXXX amount for the previous cycle by the Due Date to avoid additional interest, as indicated in my statement disclosures. I was advised to submit an electronic secure message through the XXXXXXXX XXXX XXXX XXXXXXXX Comenity portal. I submitted the request on or about XX/XX/XXXX disputing the additional interest, as well as the late status because I should never have been charged the interest by the Company. I received a response on XX/XX/XXXX that I received a reversal of one of their late fees and would receive a letter in the mail about my credit report request. I received the letter in snail mail today, XX/XX/XXXX stating that my request was denied, but there was no reason as to why.
Consumer complaint received 2019-11-04
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: TD BANK US HOLDING COMPANY (TX)

I have repeatedly contacted TD Bank requesting they assist me in disputing 4 unauthorized charges made by XXXX backup service. TD Bank has ignored my calls and letters and have refused to respond to my letters. The data backup company XXXX has made enormous charges to my Cashback credit card for charges I did not make or authorize and I find fraudulent. 
Without a response to my letters and despite my continued dispute with XXXX, TD Bank closed my dispute. XXXX has no answer for me and will not compromise. 
My original purchase with XXXX was for {$19.00} for a two year subscription for XXXX backup service for my personal PC and laptop with hard drives of XXXX. 
XXXX is trying to convince me I have a server farm here at my home and I am using untold amounts of data. 
I want to continue to prosecute this dispute with both TD Bank and XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : NELNETXXXX XXXX
Consumer complaint received 2023-11-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: First Technology Federal Credit Union (NC)

I recieved a phone call stating that I applied load with First Tech Credit Union in XXXX. 
I never applied for a loan nor am I a member of the credit union. I live in XXXX XXXX 
I recieved a letter from the credit union and for all of my personal information and I have called the credit union to try to resolve the issue. With no luck. So I wanted to report it to the FTC.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

My bank account and social security number were leaked by Idaho XXXX XXXX during a data breach on Monday XX/XX/XXXX by hacker group Sieged Security. Due to the breach, I had to request a new checking account through XXXX ( who I bank with ). In the meantime, Discover tried to request my autopay for my credit card on the old account. Of course, this bounced and I was charged a fee which was never waived. I called Discover about this and gave them the new account information and explained the situation but they did not do anything about the fee. At the same time, we setup AutoPay again using my new account. 62 days have passed since that time and now I was charged a late fee and my account was reported delinquent to the credit bureaus even though the previous again assured me that AutoPay with my new account details were setup. I have now made the necessary payment to bring my account up to date, however, I am requesting assistance from the CFPB to have Discover remove the derogatory remark since it was due to their employee 's failure to properly re-enable AutoPay following my extenuating circumstances from the data breach.
Consumer complaint received 2023-11-28
Product: 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: AMERICAN EXPRESS COMPANY (MI)

I have a pre-paid ( Debit ) checking account with American Express, they refuse to make my funds available for my uses, from a merchant. The merchant issue a refund from a cancelation into my American Express account. the bank tried to make me believe the merchant had or have a hold on the funds after returning the funds back to my card So American Express Bank refused to make my funds available for my used. I contacted the merchant they said that was very unusual, but the sent me a statement stating that fact. I would like my funds made available for my use, instead of the band collection interest on my money.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MO)

On or about XX/XX/XXXX I was told by Regions Bank I do not get my funds that were wire transferred until next day XX/XX/XXXX as my account was unfortunately overdrawn by {$4.00} although I sold my house and funds were over {$40000.00} wire transferred now I have my XXXX kids and myself can't get a hotel tonight and bank said maybe they will be available at XXXX XX/XX/XXXX bank did not care I am in a hardship with no funds and kids who need to sleep and go to school on XX/XX/XXXX although they have my $ XXXX and this also being a national pandemic COVID-19 that is such a shame for a bank to treat a customer in this manner!!!
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-11-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CORELOGIC INC (FL)

I will try my best English : Few weeks ago I could recover from my computer 2 web pages from my home of 24 years : an AVM CORELOGIC Appraisal. In the morning of the XX/XX/2009 the price of our home was {$200000.00} and in the late Afternoon the price was {$180000.00} a drop of {$21000.00} in one day. Before I discovered this problem, XXXX XXXX  give me a HELOC account with {$60000.00} so I start construction in the home and on my business building. Shortly after this story XXXX XXXX close our HELOC account and I could not even pay the construction company. I am sure that XXXX was confused by this numbers and I think the HELOC closing was correct. CORELOGIC will not give me the answer why this happening and I finally run in the Foreclosure and lost my home of 24 years after 7 years in the court, because I could not find the proof what I now recovered. CORELOGIC refer the answer to the lender in my case : XXXX XXXX  who is out of Business. I am asking to recover my {$190000.00} of my home from CORELOGIC. This is not the first time CORELOGIC make internet mistakes and the Banks believe in this AVM System. I also have to ad, that at XXXX   XXXX XXXX XXXX XXXX was responsible For the CORELOGIC Internet. XXXX XXXX XXXX XXXX and CORELOGIC announced the formal separation of the two companies XX/XX/XXXX XXXX
Consumer complaint received 2024-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I am currently making payments XXXX times over the required payment. However, the principal amount is not reducing. In reviewing the amount the company applied to interest, that rate is approximately XXXX XXXX I have made payments of {$5900.00} and {$2200.00} has been applied to interest. This is usury! And their statements do not reflect the amount of interest they are applying. My current required payments are approximately {$25.00}. I paid {$280.00} last month and my principal is higher than the previous month.
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

There was a post on XXXX selling a {$1500.00} car. I messaged the account as it was a friend of my mom 's. They wanted a {$300.00} down-payment. I sent the money on Paypal on XX/XX/2023. Paypal doesn't offer a cancel button when I found out it was a hacked account posting the listing.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

I had a personal and a business bank account with NFCU ( Navy Federal Credit Union ), In XXXX I did a delivery load for an online company thru a Delivery app, well they did a deposit into my business account which I couldn't verify where it came from because I was unsure of the name. The bank restricted my business account and said it will remain restricted for 30 days while investigation occurs. I waited XXXX days and nothing happened but I was still receiving bank statements. So, after dealing with Covid and the Pandemic I needed the funds so I reached out to NFCU in XX/XX/XXXX and they closed my business account and even decided to close my personal bank accounts and my personal credit cards without even warning me. I had three major credit cards with them that I have had over 4 yrs+ and when I went to use them they did not work so when I called NFCU , they said when they closed my Business Account they was supposed to close my personal accounts due to suspicious behavior. Well, I'm still getting bank statements and not to mention I'm getting false termination letters regarding my credit cards saying they were closed due to non payment and that is not accurate. So, my credit score and my way of living is destroyed from a stroke of a key and due to NFCU not being honest about the credit card closure when I have a 99 % pay history on my credit report. Please help me!
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (CA)

They have levied my account multiple times. Collected more than the debt itself. They 're charging interest on interest. They never show me statement nor receipts on the initial account. I never get proper response. I need to SEE receipts and records.     If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, please provide an itemization showing the dates and amount of each added amount. In addition, if you can explain how are the interest, fees or other fees added.     I wanted to learn more about my case and they told me I can work on a payment plan to close debt. But they keep levying my accounts without understanding my situation.     Please identify last payment made to this account.   Use this method as my only form of contact regarding the debt.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Charge offs are being reported onto my consumer report. Charge offs are a certificate of indebtedness which is income and is violation. 

The Privacy Act of 1974. 
My privacy has been violated a multitude of times because no authorization was ever given.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received a letter from Citizens bank that they owe me XXXX and to contact a number provided I called the number and I can not get a hold of anyone as it will only help people with an account number. As this is a disbursement of a loan from 2019 I no longer have an account number. I have tried to contact them and it's impossible to recive my money from Citizens bank.
Consumer complaint received 2019-10-17
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. (IN)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from XXXX XXXX XXXX proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.
Consumer complaint received 2019-10-17
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. (IN)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from XXXX XXXX XXXX proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-10-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal changed the yield on an open certificate from 3.5 % to 2.08 %. 

The 3.5 % was part of a promotion where if you have a direct deposit set up on a checking account, you would receive this rate. I set this up through my employer, and had multiple payroll deposits directed to my checking account ( # XXXX ). 

See deposits on : XX/XX/2019 ACH Transaction - XXXX XXXX XXXX XX/XX/2019 ACH Transaction - XXXX XXXX XXXX Navy federal is telling me that they don't count because they are ACH. When asking them to correct this, they responded : " Thank you for using Navy Federal 's eMessaging Service, Mrs. XXXX. Please be advised that the DDNP must be a direct deposit. Our records indicate that the funds are being sent weekly via XXXX. The direct deposit would typically come from an employer as part of your paycheck. If we can be of further assistance, please let us know. We thank you for choosing Navy Federal and  hope you enjoy your day. " " DDNP '' is an unclear, and misleading. What the XXXX does that actually mean? How can a payroll deposit, from an employer not be a direct deposit?