davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (WI)

My account had a levy for a forgotten about ticket from years ago. On XX/XX/XXXX. Upon finding out about this levy the same day I immediately contactedTCF BANK for guidance and to either lock my account or close the account while the levy was in place. I u Der stood the levy could not be removed but the small window of time needed to cancel and move funds around madenitnkmpossible to stop everything from coming in. They were unable to offer an assistance or advice to assist me with the least impact of outstanding auto payments. They suggested opting into overdraft and other suggestions. But could not confirm if it would be effective. I can understand if they paid the actual items but they didnt and To date they have charged me XXXX dollars in overdraft fees and returned everything unpaid. How is anyone supposed to take care of this? They keep piling the fees on top of fees. The companies that were returned were kind and helpful to a long time customer and all removed the fees and helped schedule new payments. TCF offered no just assistance. So the negatives kept compounding sinking it further and further into negative.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

I did not authorize this {$3100.00} debt with this institution. I have filed and submitted documentation to the company at least 20 times, I knew nothing of the debt until it was charged off and I began to receive collection calls from the company. I notified each and every agent that called, that this account is not mine. 

I have been a victim of Identity theft for almost 10 years. Over the past 10 years people have gone as far as getting cars, apartments, credit cards, bank accounts and utility services in my name. I have filed many police reports and done FTC Affidavits, many of the reports were filed with the city and county in which the fraudulent accounts were opened. 

I have fulfilled all of the requirements under FCRA 605B to have this  information removed and blocked, and NFCU is in violation by not removing this debt. 

The company is also in violation of Section 392.101 of the Texas Finance Code prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have found no surety bond in the state of texas bearing the name of this company
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. XXXX, XXXX, EQUIFAX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (UT)

I'm a victim of fraud and have effortlessly disputed the fraudulent credit card lines, phone numbers, and addresses on XXXX  and XXXX. I accessed them through XXXX and everything was a breeze. 
with two down, I've try to access my free Equifax credit report through XXXX but after submitting everything properly, am told that I can't can't access it online and need to have it mailed to me. No explanation. So I talked with a customer service rep, she confirmed that I can't get it for free but couldn't explain why. Oh well, guess I'll buy it, as I need to dispute these fraudulent problems to Equifax, as they showed up on my other two reports. 
I go to sign up online for the premier equifax complete package for at least a month, and am hit with a final verification process. They use current information on my credit report in the form of multiple choice questions. The problem is that Equifax 's website generated questions using what I have to assume is the fraudulent charges and information as verification questions, as the system doesn't know what's legit and what's not. 
I've now failed my verification questions for this reason and am locked out of being able to access my report online. My account seems to have been created using my personal information, but access to it was locked. Great. 
I call in to equifax customer service to get help, and after much time and a customer rep that spoke with a heavy accent, I ultimately failed the verification questions again. I don't know if I was misunderstanding the rep or if the questions were generated using fraudulent data on my report, again. Now I need to either call again in the morning ( as the department apparently closed after my call ), or submit documentation via mail. 
Are. you. kidding. me. 
I'm all for verification, clearly. My identity has been stolen by a family member ( my father and his new wife ) using my personal info, and I wish more security measures were in place to have prevented that. However, there need to be safety nets in place in the event that these situations happen! This can not be an isolated situation and it needs to be remedied.
Consumer complaint received 2019-01-30
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 been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
Consumer complaint received 2024-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NJ)

This is an ongoing complaint that I have refiled for assistance to resolve. My last complaint in a series to this one is XXXX. The mortgage owner/ financing institution are not being honest and direct. They are providing misleading information that is changing the actual terms of the mortgage loan and the unpaid principal balance. They are also avoiding trying to offer a solution to resolve the arrears through a loan modification by their misrepresentation and failure to honestly communicate with the borrower or legal representation for the borrower, being me. 

They are solely referring to the accelerated mortgage amount as the unpaid principal balance. They are in actuality, stealing my equity and future payments for profit off of my misfortune through a new predatory practice. I have attached their own unpaid principal balance summary which shows I owe {$280000.00}. 

In their resolution letter to you, they misrepresent this amount to be {$480000.00}. This is a lie to steal and profit on the misfortune of the borrower. This tactic is not outlawed directly, but goes against the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. No institution should collect more than the actual debt a person owes.
Consumer complaint received 2022-08-29
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (FL)

1 ) Fraudulent transaction for {$9900.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX, Fl we reported this to Money Network. 
2 ) Fraudulent Transaction for {$9800.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX XXXX Fl yes we did a report to Money Network 3 ) Fraudulent transaction for {$9400.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX XXXX, yes we did a report to Money Network 4 ) Fraudulent Transaction for {$98.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX Fl, yes we did a report to Money Network. 

When we found this, we called Money Network Customer Services, let them Know what happened because we did Not do those transactions. They said they are going to star an Investigation and after 90n days they will notice their decision, also they said that we have to call every week and follow the dispute process. We filled out the form and after several unpleasant calls, they decide to denied our Claim. I will attach documents. Money Networ never send any letter about their decision. 
Thanks XXXX XXXX  XXXX
Consumer complaint received 2019-01-30
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. (TX)

I have disputed the labeling of an account as closed because of repossession. The repo was wrongfully conducted due to the ineptitude and incompetence of the furnished, in this case XXXX in XXXX XXXX, TX.,  and to add insult to injury also the incompetence and ineptitude on the part of Experian in investigating it. I had filed a complaint with the XXXX   regarding this back in XX/XX/2015. XXXX  complaint # XXXX. I sent a copy of the document electronically and by mail with a letter explaining it. I had called the furnisher twice about this and they conveniently could not find the account, but when Experian investigated they magically found it and confirmed it. As I stated in the past, these credit bureaus are quick to post this information taking the word of these providers without verification, but when the consumer goes to refute the information its like pulling teeth. I practically have to do their jobs for them by collecting information that they should be able to, especially if theyre undertaken an awesome responsibility of posting vital information which affects the consumer greatly. I have been through a lot because of their incompetence and actions. I DEMAND that this gets corrected as quickly as they took to investigate. I dont know why furnishers weigh information from these agencies so heavily in their decisions if they make so many mistakes, and the complaints filed with various consumer organizations confirms that fact
Consumer complaint received 2019-01-30
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. (FL)

I have been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-01
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2019-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I was told that I could not request a lower payment or request a deferment for the student loan sometime after XX/XX/XXXX. I was out of work from XX/XX/XXXX-XX/XX/XXXX. The payments stayed around {$400.00} or more dollars the entire time of the loan. I request for lower payments because my total student loans were over the minimum percentage of my income. Sallie Mae still refused to lower my payments. As life happen and I to pay for emergencies and necessities over a {$400.00} student loan. When I did get scholarships to help pay for my student loans, Sallie Mae did not take the amount to my principal but to my interest. Therefore the scholarships were worthless because it would only cover about 3-4 months of payments.

I took FMLA recently and was unable to make any type of payments. I can provide documentation if need be. Before I knew it, my entire student loan was sent to an aggressive collection agency called XXXX. They have contacted my work via phone calls and emails. 

The majority of the amount I owe is mostly from interest accrued not the principal. I wish I had never gone to this college and gotten into this undying debt. 
These interest rate calculations for these students loans are pathetic!
Consumer complaint received 2018-04-17
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. (GA)

HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Consumer complaint received 2018-04-17
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. (GA)

HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XXXX XXXX, 2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Consumer complaint received 2023-12-12
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: Block, Inc. (VA)

Ordered from a new site XXXX not many reviews for it but decided to still purchase. Upon receiving the item, I notice theres a noticeable stain at the front. I contact the company and question the condition, they claim its brand new. I feel otherwise about it so I ask for a return since this item was sold to me not in the condition the website claims. They respond back that its final sale. Sounds like a scam.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (DE)

I recently was sued by a debt collection agency called XXXX XXXX about a debt they claimed I originally owed to XXXX, XXXX. This notice was served XX/XX/XXXX. I was never properly notified via mail by this agency prior to this about any attempt by them to either collect a debt or given the opportunity to dispute the validity of the debt. After receiving the court summons, I have tried numerous times to contact this company by phone in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Since I never received a debt collection letter from this agency, I was unable to send a dispute letter to them to dispute the validity of this debt.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit Reporting act XXXX Acts XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit Reporting act XXXX Acts XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

I have an unverified account from Convergent Outsourcing , Inc . I had previously disputed this account. I have never done business with Convergent Outsourcing , Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Convergent Outsourcing Inc . Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Convergent Outsourcing Inc . Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (KY)

On XX/XX/2019, I received an unsolicited prepaid mastercard ( debit ) issued by NETSPEND. I am concerned that I received this card in the first place. I did call the opt out # on the card and told them that I did not want ( nor requested this card ). When I asked how my name got into their data base I was told that " probably someplace you shopped ... gave your phone # to '' was the originator. My concern is that it is dangerous for unsuspecting consumers to receive such cards without their permission
Consumer complaint received 2019-10-08
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: Experian Information Solutions Inc. (FL)

Experian is charging my XXXX XXXX credit card {$19.00} monthly for a credit report I have not ordered or received. XXXX XXXX has tried to stop it, I've tried calling Experian, never can speak with a customer representative, I've e-mailed. This has been going on for 5 months now. 

Started : XX/XX/2019 XXXX XX/XX/2019, I checked my XXXX XXXX cared Experian has charged my card on XX/XX/2019, {$19.00} for a credit report. 

XXXX XXXX has issued me 4 new cards, I've spoken with the fraud department and my card is still getting charged {$19.00} a month. 

I've canceled everything with Experian, or I've tried the system told me I don't have a membership, but my credit card is still being charged.
Consumer complaint received 2018-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2017, I verbally authorized a telephone payment of {$630.00} to WELLS FARGO DEALER SERVICES. They withdrew {$930.00} - I did NOT authorize this payment. I have reached out numerous times to them to determine how this could have happened. To date, wells fargo has not responded..
Consumer complaint received 2022-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXX of 2022 I sold a property. The property had a Truist home equity loan. They initially lost the payoff from the title company that closed the property. The XXXX envelope was signed for by a Truist employee. About a month later, they admitted that they lost the check and asked the title company to issue a new check. The account should have been closed since the property had been sold. 

However, they subsequently force placed insurance and charged me for that insurance. They withdrew the money from an account at another bank even though I had deleted all payment information prior to selling the property. Every person at Truist told me that was not possible since I had deleted all payment information. Yet, they still found a way to steal the money from my other account. 

In XXXX, I was told it was all taken care of and the insurance had been canceled. But now, Truist has sent me another letter threatening me with forced placement of insurance yet again. No one at Truist is smart enough to figure out why they keep buying me insurance for a property I do not own.
Consumer complaint received 2022-08-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.