davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am filing a complaint following the recent re-investigation conducted by your agency, as I dispute the findings. I request a reassessment for accuracy, expressing my dissatisfaction with the effort made in verifying the reported account information directly with the creditors. Consequently, I seek further clarification on the specific account : XXXX XXXX XXXXXXXX with an outstanding balance of {$64000.00}. I question the current status of this account, firmly believing there should be no late payment remarks. I request the removal of any late payment notations associated with this account.
Consumer complaint received 2022-09-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account they failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (FL)

Back in XX/XX/XXXX, I was notified by BMO Harris Bank that fraud had occurred on my accounts. I have a checking and a savings account. My accounts were instantly frozen and after an investigation the bank learned I was the victim and not responsible for a fraudulent check that was written. 
I had 2 accounts, a savings ( $ XXXX ) and a checking ( less than {$100.00} ). After many weeks waiting for the solution, I learned in XXXX that checks were issued and sent via us mail to an address I haven't lived at since XXXXXXXX XXXX XXXXXXXX. I was never notified by BMO they were sending me checks or double checked to ensure how money was being reimbursed. 

Mid XXXX I l never received any checks and only learned than that the checks would probably not get rerouted because they were bank checks. After contacting the fraud department multiple times they asked for me on 3 separate occasions to verify my ID with a notary. I did exactly what they asked, only to find out again in XX/XX/XXXX they had no records of me doing that. 

Again I sent a ID verification form notarized where I was informed that the old checks would be cancelled and new checks would be re-issued. Now its been 4 weeks and no checks were received yet, and when I contact the help line I get no help. 

My father, who is on my checking account, filed a complaint with your agency about BMO - and that check for the checking account ( {$88.00} ) arrived at the new address. I am still waiting for my {$4000.00} check, since I am a XXXX XXXX  and have had no access to any of my money since XX/XX/XXXX. My parents have had to struggle to help me pay for bills that I can not pay because the bank is inconveniently not helping me. 

I am filing this complaint because I did nothing wrong and I feel the BIG BANKS are not keeping their employees accountable to fix these problems effecting the little guy.
Consumer complaint received 2019-02-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

On XX/XX/XXXX XXXX was debited from my checking by Navient through an electronic check ; the check noted " Verbally Authorized by Your Depositor ''. While Navient has my permission to obtain electronic monthly payments from me on the last day of every month, for a calculated payment, mine for the past six since months ( since XX/XX/XXXX ) has been XXXX. I never received any correspondence informing me my payment was going to increase. I went through this same dilemma back in XX/XX/XXXX when they charged me {$700.00} without informing me of the changes. While they did refund me for that incorrect amount at the time, it was painstaking. While I have confidence they will also refund me this time around, I am so angered that anyone should have to go through this in the first place. They continually fail to inform borrowers that their payments will be changing and for how much ; it has to stop. I am taking this action today as it is really the only action I can take on a Saturday. This transaction was posted to my account on a Friday evening and I have been unable to resolve any issues with Navient as they're closed over the weekend. I attempted to make headway with my personal financial institution but their dispute department is also closed for the weekend.

I am requesting three things : First, to be refunded in the total of {$590.00} immediately. I never received any correspondence for monthly payments increasing to the deducted amount. My permission, verbal or otherwise, to be charged for {$590.00} was never obtained by the company. If, after the fact, Navient tries to inform me that an IBR plan expired and I did not complete the required paperwork, I will note that I never received correspondence about an IBR plan expiring, nor about what my new monthly payment would look like. My second request is to be sent correspondence at least 60 days prior to a plan expiring that contains detailed information on how to renew and/or extend your plan. Finally, Navient should never be allowed to charge a borrower anything other than what is reflected in their monthly billing statements. If Navient has intent to the aforementioned, then I am requesting for notification at least 30 days in advance to when a fee will increase, explaining why, and listing in detail what actions the borrower can take if they are unable to afford to make those payments.
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — Store credit 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. (GA)

I was enrolled in a credit insurance program without my consent. When I contacted XXXX, their only advise was to contact the company directly because they were a 3rd party, XXXX XXXX XXXX XXXX. Mind you I never enrolled in this program and XXXX know how I was enrolled.
Consumer complaint received 2019-02-02
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC. ()

The cosigner just informed me that he received many communications from Navient /XXXX pressuring him to pay this debt. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sat, XX/XX/2019 at XXXX XXXX  Subject : Re : Payment Due To : XXXX, XXXX, XXXX XXXX XXXX Dear XXXX, Thank you for your correspondence . 

I already delivered a message to you/XXXX XXXX to put this loan in extended forbearance, regardless of your argumentation /promissory note ... pending int'l trial. It is the school that has to refund/ repay. 

The U.S Government ( loans/grants ), XXXX Government ( loans/grants ), and even XXXX ( private loan ), whose combined investment represents nearly 98 % of the total finance, are cooperating with me, allowing XXXX court time to find a solution .... 

Why not XXXX XXXX/Navient? 

Regards XXXX See attachments
Consumer complaint received 2019-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

I do not know this company nor did I ever enter into a contract with them. Through researching them on this website, I see that I am not the only victim this company has tried to collect a false debt from. 
They have also done the same to my wife and at the time XXXX-year-old son who was still in XXXX XXXX, again they never heard of them nor did they sign any contract with this company. 

XX/XX/XXXX ( 5 yrs, 6 mos ) {$3300.00} CAPSTONE CREDIT & COLLEC   XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX
Consumer complaint received 2019-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes, TransUnion has failed the to respond to my disputes within the 30-days time period per FCRA. The following item should be removed from my credit report. 

XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I personally sent a letter to Transunion letting them know that there were a number inquiries on my credit report that I did not authorize and would like to be removed immediately. It is now XX/XX/2022 and I have yet to hear from Transunion.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In early XX/XX/2019 I was booking airline tickets to visit my dad in a XXXX home in NJ, I live in CA. There was a promotion on the travel website offering an immediate discount on the ticket and waived bag fees if I opened and paid for the ticket with a Bank of America charge card. I followed all directions and when it came for the decision of granting the account, Bank of America could not at the moment. I ended up using a different charge card and received no discount. I received a letter from BOA with a phone number to call. I did so. The call lasted 30 seconds. They just wanted to confirm my address. Ridiculous. They ultimately sent the charge card in the mail. I opened up the envelope and read through the initial tri fold which contained the card. There was no mention of an annual fee. I never called to activate the card. I was not happy with the process. I never used the card. Still attached to paper. Anyway, it has come to my attention that BOA did charge me a {$75.00} annual fee for a card I never activated, used, or received any benefit from. In addition, apparently I have been two months past due on the annual fee I never knew I would incur. My credit score has sunken 81 points. I pay all my bills on time. I called over to BOA today to get this straightened out. I spent 47 minutes on the phone only not to get a decision or assurances that my concerns of credit reporting would be addressed. 
I looked at the documents that came with a card from XXXX XXXX, prominently and intelligently placed was an explanation of fees, including listing the annual fee ( there was none ). I went through the BOA envelope. This time carefully. On page 7 of the " Agreement '' packet, BOA lists the annual fee in not too shocking, same font as everything else. It is not prominent. The fee is not listed anywhere else in the packet of information accompanying the actual charge card. I feel BOA has purposefully obfuscated pertinent facts. How come XXXX can be upfront in how it presents important information? And yet BOA, which is a massive bank, surely knows the benefit of hiding a deal breaking annual fee. On face it makes the card look better when the fee is hidden. I want BOA to cancel all charges on the account. I want BOA to be responsible for the negative impact on hard worked credit score. I want them to pay me for the aggravation, the higher costs of borrowing due to their erroneous reporting. I want BOA to issue an apology and change their deceptive practices.
Consumer complaint received 2019-02-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WLCC (NJ)

In XX/XX/2017 I applied for a loan on the website myfullwallet.com. It was not clear that it was a payday loan scam. The APR was between 400-700 %. For example, they would deposit small amounts into my account continuously through the past months and withdraw large amounts. ( Deposit XXXX, withdraw XXXX ). For every {$10.00} paid towards the principal they incur a fee of {$210.00}. The loan that I applied for was for $ 400-790 and they have charged me {$10000.00} in the past year and a half. 

My husband discovered this while reviewing our finances. I did not know they were continuously withdrawing large amounts of money every two weeks. I attempted to remove my bank accounts from the account but they refused and kept taking more money out. They claimed that they were going to write off the debt, but the following day they withdrew another XXXX . My husband disputed some of the charges from our bank and attempted to block them from withdrawing money but they keep taking money. There is a check they withdrew under my name with an illegitimate address that is for {$210.00}. 

Upon further investigation, my husband and daughter discovered that this kind of loan was illegal in the state of New Jersey. This company claims to operate under tribal laws that no state of US government jurisdictions can challenge. 

I went into my emails to find the loan document but it operates under the name XXXX/XXXX. These two companies along with myfullwallet are the same and are pay day loan scams. The document has an illegitimate e-signature that I did not sign. I did not realize this was happening and in no way did I consent to pay over 10000 for a XXXX loan.
Consumer complaint received 2022-09-02
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. (FL)

In accordance with the Fair Credit Reporting act Law Offices XXXX # 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 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. (FL)

Please see the attachments because they contain my complaint in full with my requests along with my ID. I XXXX XXXX am also submitting this complaint on my own and I have not been influenced to do so by anyone or third party.
Consumer complaint received 2022-09-02
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX # 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 2019-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AR)

I sent a Debt Validation letter via postal mail that was dated XX/XX/2019 to Fair Collections & Outsourcing. It is now XX/XX/2019 and I have not received anything Validating the alleged debt that they have listed on my credit report. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation. This collection account is 100 % not mine. It is showing a debt from XXXX XXXX which is a place that I've never lived at. I have been a victim of Identity theft and this account should be removed immediately.
Consumer complaint received 2022-09-02
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: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX I logged in to AMEXs website to check the status of my XX/XX/XXXX XXXX XXXX complaint which I hadn't heard about in months. AMEX claims they notified me, but they sure did make it hard or impossible to find any information they claimed to have sent me. I saw that they had closed the case in XXXX XXXX 's favor, but I couldn't see any documentation that shows what evidence they provided. So I chatted in to find out what evidence was provided. The rep said they couldnt see any evidence. So this looks like AMEX is purposefully protecting XXXX XXXX. I asked to reopen the case and the rep did. I also told the rep I have image evidence of my claim. I uploaded those images. The rep said he reopened the case and that AMEX would review the images and case within 48 hours. On XX/XX/XXXX when I logged in to AMEX, I saw that the case had been closed again and that the reason was that I couldnt open a new case for the same transaction if it had been closed past 30 days. I only found out that the case was closed 1 day ago because of their poor or nonexistent notification. On XX/XX/XXXX I spoke with a series of reps who admitted the XX/XX/XXXX rep lied, but they couldnt do anything about it. They offered a measly {$10.00} credit after I asked for a full reimbursement of the original {$140.00} charge. Im now stuck with a defective pair of shoes that gives me blisters and Im still out of pocket {$130.00}. 

The original claim was for defective shoes. I can provide CFPB the images if needed. XXXX XXXX has been no help in this process, hence why I reached out to AMEX.
Consumer complaint received 2019-02-02
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 — Was not notified of investigation status or results
Company: Diversified Consultants, Inc. (IL)

XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/, 2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-09-02
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (LA)

Payments were being made to ALLY financial for a 2015 XXXX XXXX. We had XXXX for two weeks which we didnt get paid for but we were still making payments to ally financial. Yet they saying we were behind & put delinquent on my credit report!!! THAT IS TOTALLY WRONG OF THEM & UNCALLED FOR!!! 
They were getting more than half of the amount needed of ONE payment. Called & harassed us for more money when we were making on time payments just not the full amount. Barely short. & this one only for ONE MONTH!!!!!!! This is ridiculous!!!
Consumer complaint received 2022-09-02
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: LEXISNEXIS (GA)

There are soft and hard inquires pull from accounts I never open. The only account that was open in my name was XXXX XXXX which was XXXX XXXX. The dates of the the open accounts that not me was XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The people who is performing fraud on my account has made my credit score low and I want to take action now. I want to report all these companies as fraud because it is not me. Below I attach the names of the company with dates and descriptions.