davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I recently looked at my credit profile & stumbled upon the fact that I have multiple errors on my credit report & I submitted my letters to the bureaus and have yet to receive an response. I have not had any errors corrected & my name and addresses are still completely wrong.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My information was misused and Transunion hasn't been reporting 100 % correctly dealing with reporting dates and not having the correct name on the accounts that i need removed.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (DE)

In the process of obtaining a mortgage through NAVY FEDERAL CREDIT UNION. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through XXXX XXXX XXXX phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. 

On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either NFCU or XXXX in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.
Consumer complaint received 2022-09-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (GA)

To whom it may concern, I have reached out to this company, Cedar Financial or Cedar Business, several times to remove this debt from my credit report. A balance is still showing in a collections status. I made a payment to XXXX XXXX in the amount of {$3500.00} on XX/XX/XXXX. Please see attachments below. For some reason this company is still attempting to collect this payment that has already been made to my institution. 

In the beginning of XXXX, I began my XXXX XXXX  at XXXXXXXX University. I was heavily affected by the pandemic, and due to some health complications I was not able to continue with my courses at XXXX. 

My university sent me an email notifying me of an unpaid balance of {$3500.00}. They also stated the account should be paid by XX/XX/XXXX. As you can see, I made the payment and received a receipt from the finance department. I assumed that everything was resolved from there. 

A few months ago, I received a notification from my credit monitoring service of a collections account from Cedar Financial. Upon further research, I realized the debt is in connections with a balance due from XXXX University. Again, with no avail I have reached out to Cedar Financial several times. I have also requested the credit bureaus to validate this debt and remove it from credit report. I have yet to receive any documentation regarding this account. I even reached out to my bank to provide bank statements from last year to ensure the payment went through successfully. I have my bank statement from XX/XX/XXXX available if you need to see it. It also shows that payment made to XXXX University. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, is violating 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 an account without my written instructions. 
Not only is this completely unfair and unjust, again this is in direction violation of the laws that protect me as a consumer. I am requesting that this account be deleted from my credit report immediately. 
I understand there was some sort of mistake made ; I am simply requesting this account to be removed from my credit report. Please help me resolve this urgent matter. 

Thank you kindly, XXXX XXXX
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (IN)

Around XXXX XXXX I called US bank because i noticed that 3 of my payments was not applied correctly in XXXX of 2022. My account was paid ahead until XX/XX/2022 and I called US bank to make them aware that my payments in XXXX of 2022 did not apply correctly- all of them went towards principal but then showed I had an interest payment due. I was making XXXX dollar payments every 2 weeks and about XXXX dollars would go to interest and the remaining to my principal balance. I spoke to a representative who advised they can submit a request to reapply those payments so that they apply correctly. I logged on a few days after the request and it showed I had a XXXX dollar payment due for XX/XX/2022. That shouldnt of been correct but I let it be as I had another XXXX payment drafting on XX/XX/XXXX- which would of paid the XXXX and then paid account ahead. I logged on after the XX/XX/XXXX payment and it was showing I was behind a day and owed XXXX dollars. I called back US bank and the first representative stated they would review my account but then transferred me without telling me. I am frustrated as my payments are not being applied correctly and feel as if US bank is stealing my money
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 consunter reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MD)

I never received a Formal Notice of TERMINATION/SUSPENSION OF MY DEBIT CARD. My access/use of my Debit Cards has been terminated for 1 year. This action was taken for ALLEGEDLY filing too many disputes. All of the disputes that I have filed have been justified due to unauthorized charges to my debit cards. 

If I had not filed the disputes, then the unauthorized charges would have been allowed and I would have lost money that I never agreed to or authorized WHAT DOES NAVY FEDERAL CREDIT UNION EXPECT ME TO DO WHEN UNAUTHORIZED CHARGES ARE PLACED AGAINST MY DEBIT CARD THAT EITHER I WAS NOT AWARE OF OR I DID NOT AUTHORIZE!!!!
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I called today XX/XX/XXXX XXXX PT ... the Transunion in Pennsylvania , spoke to a representative named XXXX and i politely asked that they may remove XXXX inquiries from my credit report as i fell victim to their inquiry error ... Removing and reinserting information on a credit file is by section 611 fcra laws illegal without notification within 5 days of reinserting. There were plenty of inquiries that were recently removed XX/XX/2016 and essentially put back on immediately without my acknowledgement which in turn later just expired due to the 2yrs statute, yet there was recently another glitch error that removed and reinserted my inquiries just last week. ALSO a XXXX sheet just got mailed to me stating i applied for some loan with them under Transunion 's reporting, although not showing on my report as of today, i do n't recall ever associating with them at all. I have the sheet attatched. Dont tell me to contact creditors because i 'm not portraying all these to be unauthorized, but this is a error on TU end. Company courtesy, I need these current inquiries off immediately and permanently this time. Inquiries : Screening Pros XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX
Consumer complaint received 2019-02-05
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. (WI)

XXXX XXXX XXXX has failed to update my payment history reflecting as paid as agreed. After company pirated unauthorized payments from my bank account to force a completion of a deferred payment plan, they failed to report my account as paid as agreed as promised. Currently this account is reporting as late to the credit bureaus causing me to be unable to secure necessary funding for my business.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (PA)

Contacted the company numerous times. Last contact was XX/XX/19 @ XXXX XXXX. I was told they were " working " on it. This debt is not owed by me and i have no knowledge of it. I asked for an explanation of the debt and i was told it was " for an ambulance ". Well that doesn't exactly help. I asked for the original creditors information and i was not given anything.
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Summons dated on XX/XX/2018 appeared at residence around XX/XX/2018 to appear in court on XX/XX/2018. Says I owed {$800.00}. Paperwork attached said amount actually owed is {$760.00}.
Consumer complaint received 2019-09-18
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: CITIBANK, N.A. (NC)

An account was opened in my name for Bloomingdales credit card. I have no affiliation with this company. I received a bill with this company and contacted them but they said I would need to handle it through this website because the person that opened in my name has all my correct information.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A. (DE)

I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been XXXX XXXX for over thirty years now.
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I opened a bank account with Simple after seeing an advertisement for a {$250.00} bonus following a {$10000.00} deposit. Using the link provided by the advertisement, I opened the account and deposited {$10000.00} into that account by XXXX, which was a week before their deposit deadline of XX/XX/XXXX. I maintained that balance through XX/XX/XXXX, which was two weeks past their required date of XX/XX/XXXX. 

Simple specified that new accounts would receive their {$250.00} bonus by XXXX on XX/XX/XXXX. After not receiving the bonus, I called Simple at XXXX on XX/XX/XXXX. I was told that I would be receiving my bonus, however it would be paid out at XXXX pacific time ( not EST ). The next day, after checking my account and finding that the bonus was still not deposited, I called again. After 45 minutes on hold, I was finally told that I did not qualify for the bonus because the account that I opened was not eligible. 

They said that after opening my account, I needed to open another " protected goals account '' within my other account to earn the bonus. This was clearly an attempt to gain new customers without paying the bonus as the instructions given to earn the bonus were deceptively simplified and misleading.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Hi, My name is XXXX XXXX and have been a customer at Chase Bank for the past nine years.My checking number XXXX. Last XX/XX/XXXX, few of my pay checks were stolen from my car. I had, however, deposited all these through remote deposit option via my cellphone. 
The concerned pay check in discussion is check Number XXXX maker XXXX bank for the period XXXX to XXXX which was made by my former employer XXXX XXXX XXXX XXXX XXXX. I made the check deposit using remote option on XXXX via my cellphone. 
In the month of XXXX XX/XX/XXXX, I found that {$1800.00} had been cut from my Chase bank account. After inquiring with Chase bank officials, I learnt that the above mentioned pay check was submitted at a XXXX XXXX branch on XXXX. I tried to speak to XXXX XXXX but chase bank manger they said they could not do anything since I was not their customer. I testify here, as I repeatedly told Chase bank, that I never used or made use of any other party to submit the pay check at XXXX XXXX. 

I called and met in person with Chase bank officials, but my pleas fell to deaf ears. The bank manager nor the customer care helpline were of any use. They kept talking to me as if I am the culprit in this scenario. I have been a loyal customer all these years and have used the pay by cellphone - remote pay check deposit option - all these years. I consider myself to have been cheated by theft and later by non-cooperation by my own bank. One, XXXX XXXX issued the money to the impostor without verifying an ID, because all my ID cards are safe with me. Second, Chase bank cut money from my account without informing me or even bothering to ask me the case at hand. I feel unsafe about my money and consider this a deep threat to the very foundations of our great nation. I am considering closing all accounts with Chase bank, and also i want my money back {$1800.00} as soon as possible. 

I do not think any hard earning person who pays their taxes regularly ought to be treated this way. I appeal to the bank officials to resolve this matter at the earliest. Failing this, I will have to go to higher authorities and legal procedures. It is no longer about the amount of the money anymore, but about self integrity and living peacefully thinking that our money is safe in the countrys banks. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am receiving phone calls every day, and sometimes multiple times a day to resolve a missed payment on my credit card. From XX/XX/2018 to today ( XX/XX/2018 ) I have received 21 phone calls. I am attaching screen shots of the phone calls.
Consumer complaint received 2023-01-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and XXXX acct. number 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. XXXX XXXX AND XXXX was an account on my credit report that I deleted over 8 months ago, due to fraud and has not reflected on my EQUIFAX credit report.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Securus J Holdings, LLC (NY)

I have filled two previous complaints with this company. I'm sure you can go back and look. On going problems with the system and how they handle everything. I have invested over XXXX dollars in your refurbished product, IT ISNT FREE!!! Or a courtesy from the state of New York. I called JPay that of course blame it on the kiosk department. That of course you can't speak to because they are so backed up. Upon calling the XXXX branch I asked to speak to the manager. I was after asking who she was I realized, she wasn't a manager, so then she put me on the phone with XXXX who claimed he was a floor supervisor, he said he was the highest in the call center. So I asked him really so he pays the people in this center. He responded yes. In which we know he doesn't. Son I know he is lieing. All this because. All I wanted and asked for after investing XXXX into this tablet. Was for me to be able to speak to the trouble shooting team, that aren't available they hit generic buttons all day that tell the XXXX  to do a hard reboot, as a consumer in the United States it's my right after investing XXXX in a refurbished tablet. Ti be able to ask for the number of the people claiming they are going to fix my tablet. I shouldn't have to wait 15 days. I don't want to hear it's a courtesy from the state of New York. This is just JPay XXXX is another issue. I'm not even able to link my own personal bank account ti my phone account and no one can figure out why. I have to go pay with a pre paid card every time. No answer. I want a phone call and a solution to all these problems or I would like all my money back from this tablet. I'm paying for a service I'm not getting.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (LA)

In early XX/XX/XXXX around XX/XX/2019 I called Wells Fargo and requested my account be closed. I was told by the agent it would be no problem due to the fact that my account balance was not negative & that he would gladly assist me in closing. I was told " Your account has been closed, anything else I can assist you with? '' At that point I was under the assumption that my account was closed. 
On my part, I began switching all my payments to a new account with another bank. 

Wells Fargo, however, continued to make payments and issue fees on the account that was supposed to be closed. 
I was not aware until I was disputing a check and was informed that it was deposited into that Wells Fargo Account. I checked my account on XX/XX/2019 and saw that payments were authorized and I was charged overdraft fees for said payments. In total there are 11 {$35.00} fees. That is an amount I simply can not afford and don't believe I am responsible for. If Wells Fargo had informed me that they could not close my account and I had transactions I would have made sure to have that money in there to avoid those fees. I am out a total of {$380.00} in fees from Wells Fargo. 
I spoke to them several times today XX/XX/2019 and they were unable to give me an answer as to why I was told my account would be closed and was not. 
They said " maybe they didn't close it because you had pending transactions '' but never during the initial request to close my account was I told that it would not be closed. 
I subsequently asked if they could refund the fees because they are not my responsibility. An agent had stated that he closed my account. 
The only option they gave my was to walk into a branch. I live about a XXXX hour drive from the nearest branch and it is not possible for me, especially since they said that does not assure that they will refund the fees. 

The last time I knowingly used my card was on XX/XX/2019 at XXXX XXXX. 
Anything after that was not authorized by me and I was under the assumption that my account was closed. 

Thank you.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My fees and interest charges are higher than I expected and I was not informed on this interest rate. Ive accrued over thousands in fees, after being a loyal member for 5 years. It's never been this hard to pay off 1 credit card before.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (DE)

I was offered a no interest account for the purchase of a new heating system by Wells Fargo home projects 2 years ago. I had a lump sum payment due last month that is listed on page XXXX of the statement. Instead of including the payment due in the payment information on the front of the statement they added a small box with the words Special Terms Expiration which did not include any amounts due and of course I did not see. When they calculated the minimum payment they conveniently assumed that I would not pay the lump sum, which resulted in the minimum payment on the front of the statement never changing, again to ensure that the statement would look identical to all of the previous statements. By doing this they managed to sneak the statement past me so they could charge me {$5900.00} in interest on the initial purchase price. When I complained about this practice they offered me a 25 % refund of the interest in the amount of {$1400.00} if I paid of the entire amount in the next 3 days of {$9900.00}.
Consumer complaint received 2018-04-24
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: EQUIFAX, INC. (CA)

I have made 17 consecutive on time payments of {$4500.00} to XXXX XXXX XXXX ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.