davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I made a cash deposit into my checking account on XX/XX/2016, at an ATM at XXXX Bank XXXX ATM which the bank I use. The cash deposit was credited on XX/XX/2016, however, on XX/XX/2016 the bank charged my account an overdraft fee. I called customer service and was informed that cash deposits made at an ATM are not automatically credited to the account and must be made in person at a branch before XXXX. It is my understanding that a cash deposit is immediately credited and can not be held. THe bank held the cash deposit and charged an overdraft fee.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX posted the wrong information, we called and they told us my account was XXXX $ so I asked why they charged me XXXX $ for no reason, they told me they are going to fix it, and in the end, they fix it and I decided to close it. 

Since I got this credit card I barely used it and it gave me a lot of problems, one of the reasons I decided to close it, was because this bank for some reason shows me charges that I never did or recognized and it charged interest of those charges and late fee. Like I said before, I don't use this card at all. When I checked it using the app and I saw those charges I called the bank immediately because I never used my card and they charge me for something that I never used and charge a late fee and other amounts that I never recognized or accepted. According to the last call they fixed it and my account was XXXX $ I decided to close it and they told me my account was XXXX $ and closed it and they told me nothing to worried. 

I called the bank to know why they report a negative and they told me to fix this issue I need to re-open the account again and the bank will fix it, so I said no, I don't want to re-open it. I don't want any relation with this bank. They didn't give more information and I told them that I need an explanation of why was the reason I got a negative on my credit. I insisted to get an answer and they were rude and disconnected the call. My credit was intact and had good points and I am trying to keep it high, but this bank affects my credit report. And according to the last call, I requested to close the account without any debt and they told me it was closed and had no debt. Please help me to resolve this issue, I need to clean my record and keep it clean. Thank you. 

Please find in the attached file where they fixed everything and put the account XXXX $ with no debt, all amount was fixed and the account with no debt. 

Transunion file number : XXXX
Consumer complaint received 2022-02-18
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. (AR)

I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS ABOUT INCOMPLETE AND INCORRECT INFORMATION ON MY CREDIT REPORT. THE ERRORS ARE OBVIOUS AND BLATANT AND THEY FAIL TO INVESTIGATE AND REMOVE THESE ACCOUNTS. THERE ARE ACCOUNTS REPORTED ON ALL XXXX BUREAUS WITH DIFFERENT BALANCES BETWEEN THE XXXX BUREAUS. THIS ACCOUNT SHOULD BE REMOVED. INCOMPLETE INFORMATION ON ACCOUNTS. THEY HAVE INCORRECT PERSONAL INFORMATION, INCORRECT ADDRESSES, MISSPELLED NAMES.
Consumer complaint received 2020-05-04
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. (AR)

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.
Consumer complaint received 2022-08-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX 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. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL INC (MS)

I have not received the formal letters nor 30 day notice letter. I called them and spoke with supervisor on the day I received my first letter stating they would garnish my checks from my current jobs. He stated the informed me about this through mail. I asked for address on file and not was one I Have never stayed at. I asked him the schools I went to had my mom address and mine at least they would of gave u the right address. He apologized and insured me he would stop garnishing process and submit the paper for it. He said it would only stop for 30 days and to call back and speak with rep to set up payment plans. He took my current address and said letters would go out. I still have not received any letters but they have taken my tax refund without notice to. They are garnishing my checks and took my refund I can not even afford to live right now that Im being forced to file bankruptcy all because of a company being very underhanding and withholding arrangements for me to be able to pay.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stellar Recovery, Inc. (CA)

After reviewing my credit report I found a collections entry from Stellar Recovery Inc. in the amount of {$340.00}. I have made multiple attempts to contact Stellar Recovery to seek verification for the amount and to settle the debt. I have completed their webform requesting information, and I have tried calling their posted telephone number. The webform submission has not yielded a response and the phone number is directed to an extension with a mailbox that will not accept messages. Stellar Recovery has continued to report to 3rd party credit bureaus that the account is in collections, but have made it impossible to settle the debt. This tactic has a detrimental impact on my credit score and must be corrected.
Consumer complaint received 2023-04-17
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. (MD)

Transunion performed an investigation on XX/XX/2023 related to the account XXXX XXXX XXXX XXXX XXXX # XXXX. The investigation results indicated that the BALANCE = {$1900.00}, the PAYMENT STATUS = 120 days late, and there are THREE 90 days late payments. All the previous data is incorrect to include the balance, payment status and payment history. I do not have a balance, I am not in a late payment status and I have never been late.
Consumer complaint received 2022-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

Called EdFinancial about student loan refund on XX/XX/2022. 
EdFinancial said they would submit request for refund but would not provide confirmation email or timeline for when refund would be made to my checking account. 
I am not happy with lack of support from EdFinancial and unwillingness to provide confirmation of refund request and timeline to when i would receive refund.
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (NY)

On XX/XX/2022 I sent in a dispute. Its been about two weeks and still no acknowledgment of them receiving my complaint. I want every document pertaining to the this entry that your agency uses to validate this debt.
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (IL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

I am being harassed by XXXX XXXX, Comenity Bank and XXXX daily. Multiple times a day. They call me from different numbers, they call me from blocked numbers, they change their number to make it look like theyre calling from different area codes. Ive been making minimum payment as Im out of work and have been sick and my kids have been sick also. But they continue to harass me. The XXXX  XXXX ones are them also.
Consumer complaint received 2019-02-26
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX cards, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX nj XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

Attorney General Office of Texas : XXXX attorney generals XXXX office is reporting payments past due from XXXX of 2014. As of that date there was a change of custody and I am now the custodial parent and receive XXXX instead of pay XXXX. There was a delay in filing the documents by the attorney and I was assured the matter was resolved, but XXXX and Equifax continue to show a past due & open account.
Consumer complaint received 2016-07-17
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (NJ)

I voluntarily gave my vehicle back to the company that was financing it after year you 're not really responsible for the debt is really been three years and I do n't know how do you can take XXXX points when you volunteer to give the car back from my credit report how can you XXXX come up with this
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

I received tens of phone calls daily. 
I received threats of foreclosure on my home if ever a payment was late, despite my payments being made. 
I was told by employees of Green Tree Servicing to " borrow the money '' when I was unable to make payments due to financial hardship. 
When I did not answer my phone, Green Tree Servicing employees called all of my neighbors and told them to leave notes on my door. 
My neighbors and I were called on public holidays including XXXX. 
I was called at inappropriate times through out the morning and evening. 
I actually had to disconnect my land line due to harassment by Green Tree Servicing. 
I was refused options and assistance when I requested that my due date for my payments be changed to when I was receiving a pay check ( the last week of the month ). 
I was harassed at my place of employment to the extent that my boss told Green Tree Servicing and myself that if it continued I would lose my job. 
I wrote a letter requesting that Green Tree Servicing cease all contact except by mail and they continued to harass me via my neighbor, XXXX XXXX and call her phone tens of times daily. 
I received a letter in the mail stating that I owed them over {$4000.00} right then and there or legal actions would pursue in XXXX of 2014 for no apparent reason. I had been making my payments consistently for years. When I called to ask why I still owed money, I was given a vague and insufficient explanation and told that I still had to make payments otherwise I would be taken to court. 
I was told that my account had been charged off for a payment being over 180 days late, but I have made all except one payment and the one I missed was well over six years ago and I contacted them and after hours of harassment was told that it would be " tacked on to the end of my loan ''. 
I was informed that because some payments were late years ago, that my interest changed and that I was then only paying on interest, which does not seem right to me. 
I have requested a written explanation of the fees that are owed and the total amount that I have payed Green Tree Servicing on several occasions to XXXX XXXX XXXX? ) and was refused every time. 
I was refused any receipts of payments since XXXX of 2014 by XXXX XXXX XXXX? ). 
I was refused a bill since XXXX of 2014 by Green Tree Servicing, but if I stop paying them I receive a letter saying they will pursue legal action. 
When I called and talked to XXXX in XXXX 2014 to demand an explanation, I was told that it would be written down as a refusal to pay despite the fact that I was saying I would pay I just wanted to know what and why I was paying, threatened with court and hung up on. 
My account states online that it is closed in XXXX 2014 and when I asked for an explanation of why I am still having to pay, why I do n't receive a bill and why I do n't get a receipt for my payments I am belittled followed by insufficient and vague answers.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 I sent in a dispute. Its been about two weeks and still no acknowledgment of them receiving my complaint. I want every document pertaining to the this entry that your agency uses to validate this debt.
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

After I spoke to a rude customer service representative, which is not the first time. I was told that my transaction where not used as debit therefore the posting time will take longer time and overdraft fee will be charged on my account. I checked my account every day on my mobile device ; I feel that there is unfair that as customer there is not way how this fees where charged online. I checked and find that my transactions where all used as debit transaction which according to the information given are faster in process. I do n't understand how come due to a holidays when the bank information was accurate according to the online monitoring in one day {$240.00} was charged. I am currently encountering financial problems and soon the business will be closing. I do n't have funds to loose in overdraft fees. I called, I went the branch and the information given is never accurate. I need this matter to be escalating to a supervisor because I feel that I resentful by this bank, which just charge a lot of hiding fees. I think I should deserve a reimbursement because there is no detail information in which customer can understand how those fee are assessed.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (WA)

I am a victim of identity theft. The fraudster made a purchase on XXXX XXXX, 2016 for {$4800.00} at XXXX XXXX in XXXX, Michigan using my Citibank credit card account. The purchase was quickly identified as fraudulent and I have made a police report to the XXXX, Michigan police as requested by Citibank. Despite this, the purchase amount is STILL included on my Citibank account plus {$420.00} in fraudulent interest charges. I have called Citibank numerous times to get the charge removed, and they say they will remove it, but that still has not happened. XXXX additional things to consider : 1 ) I live in XXXX, Washington and have never even been to XXXX, Michigan, and 2 ) the fraudster made a similar purchase on the same date with the same store using my XXXX card account. That incident was also identified as fraud and reported to the police, and the charge was removed from my credit card bill in XX/XX/XXXX. I fail to understand why Citibank can not get their act together and remove the fraudulent charge from my bill! I am complaining to you because my patient, persistent efforts to resolve this matter have gotten me nowhere.
Consumer complaint received 2022-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

In need of a transmission repair for my pick up I went to the local Transmission shop and could not afford transmission salesman referred me to try to get this loan through XXXX XXXXXXXX  or duvera billing. After making payments for almost 18 months after at what the company told me would have me paid off at 24 months I checked the principal balance and it was more than the initial loan amount. Then after calling someone I was informed there was 133 % interest compounded daily essentially making it impossible to ever pay the loan off if you dont have XXXX in hand. This company is taking advantages of mid to lower class individuals. Second too this scam but no lesser evil XXXX XXXX XXXX XXXXXXXX XXXX did the repair on the transmission with a limited warranty of 18 months within less then 6 the seals blew on my way to work with all my tools in truck leaving me stuck in the rain having to rent a vehicle to fulfill contracts that were scheduled and had to pay for the tow as well and any hard parts according to them. To this day that transmission has not been right and they know it not to mention cutting exhaust hangers and leaving them in welded back. These people should be disgraced.
Consumer complaint received 2016-08-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I thought I bought my van for XXXX plus XXXX percent for the loan ... so about XXXX. My goal was low payments I could afford so the dealer told me that if I paid a big chunk like when I got my tax return my payments would be lower. I even called Capitol One Auto Finance to confirm that. N they said the same thing. But, when I got my tax return and asked how much my payments would be if I paid a certain amount ... but, then they said they would stay the same. I was like ... but, that 's not what you guys and the dealer said a few months ago. N Cap. One was telling me that whatever representative I spoke to told me wrong. So I am stuck in these high payment amounts I really ca n't afford along with the high full coverage insurance and I have n't been able to refinance. ON TOP OF THAT I found out Cap. One actually charged me XXXX for the van when it was n't even worth the XXXX I thought I was buying it for! N I will make payment but the pay off will just stay the same OR GO BACK UP another XXXX! How can a company get away with charging more than twice what a vehicle is worth when ... if we get into an accident and total a car the insurance companies will only give us the cars blue book value or nada or whatever value. That is another complaint I have ... .I pay SO much for full coverage insurance. Over XXXX. Yet when I hit a deer years ago with my other van XXXX would only give me XXXX for a van I paid XXXX for. N now a XXXX driver ran into and did n't stop and I am being treated like a liar by XXXX ... I paid them for insurance not to make the heads of their company richer, but they sure are tight with their money when it is time to help ... or really just give us some of the money we paid them. It would be better to make special personal auto savings accounts because insurance companies take advantage of consumers.
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

After being unable to pay my student loans navient only suggested forebaring and deferring payments. They never offered income based repayment. My loans went into default and only learned about income based payments through a loan rehab company.