davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (MN)

I went to Wells Fargo in XXXX to advise them that, as a result of a XXXX, traumatic event, and various health problems that resulted in hospitalization, I would have no income for the remainder of 2017. Thus, I would be unable to make my upcoming credit card payment. I asked them to discuss options to pay off this debt without incurring late fees, severe interest charges, and so on. 

They advised me to NOT make a payment on the account and that once a certain amount of time passes, they would be able to assist with refinancing this debt ( they even provided the specific options that would be available, such as switching the debt to a XXXX interest card ). They assured me that since I was a Wells Fargo customer for XXXX years and never missed a credit card payment, they would be able to work with my situation. 

Per their instruction, I did not make payments and went back to Wells Fargo after the suggested timeframe ( into XXXX ) so that I could discuss this with them as well as discuss why I was charged fees even after speaking with them. Then they advised me that they can not do anything to refinance and I am required to pay the balance. 

I have incurred {$500.00} worth of fees in the timeframe during which I was sick and hospitalized on numerous occasions.
Consumer complaint received 2023-01-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
I will be submitting, the Letter I received in the mail today, on the Letter i highlighted all violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( K ) 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 2022-10-14
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: Avant Holding Company, Inc. (GA)

Avant violated 15usc6802 also known as the Gramm-Leach-Bliley Act, they disclosed my non public personal information ( loan balance, amount of the loan, etc.. ) to non affiliated third parties ( XXXX, XXXX, and XXXX ) without giving me the proper disclosures, one of which would have given me the ability to opt out of having my information reported to the credit bureaus. They also violated 15usc1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act by reporting transactions between me ( the consumer ) and the person making the report ( avant is a person by legal definition because they are a corporation ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-11-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CURO Intermediate Holdings (FL)

Ad astra recovery services is the company that bought the debt. They call me all the time instead of my lawyers they keep calling my father about the debt. Theyre abusing me and my family. My father has recorded 48 calls in one day about the debt.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I booked round trip international flights with my Citi XXXX  points on XX/XX/XXXX on Citi 's website ( XXXX ) for two passengers, using 102,100 XXXX  points in total. The flight was later cancelled by airlines due to covid. I waited till XX/XX/XXXX but still didn't received my points refunded back, or any communications regarding this. So I called their custom services on XX/XX/XXXX and they said they initiated refund and expected 20 days to arrive to my account. But I didn't receive anything since then. I called them again on XX/XX/XXXX, and was told the previous refund didn't go through and they had to initiate another refund, and it would take one or two billing cycles to go through. Now it's already XX/XX/XXXX, but I am still waiting for their refund.
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (AL)

I have sent numerous letters demanding documentation of the alleged debt and a contract bearing my signature with Ad Astra Recovery Services. I have disputed this with all three credit bureaus and they are reporting the information is correct but can supply me with documentation.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.
Consumer complaint received 2021-06-08
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. (GA)

I have yet to hear a response from the bureaus and my dispute letters were sent out on XX/XX/2021 @ XXXX and arrived to them on XX/XX/XXXX.
Consumer complaint received 2018-04-04
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. (CA)

It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XX/XX/XXXX18 and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts. 

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete. 

Among the particular items of focus is the reporting of the following : 1. ) XXXX CARD ref # XXXX late payment history incurred due to fraudulent activities on this account. 
2. ) XXXX XXXX XXXX ref # XXXX -- - this is not my account. I am not liable on this account. Delete this from my credit report.
Consumer complaint received 2020-11-05
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. (CA)

I went to apply for a mortgage to buy a house for me and my daughter and was denied because of negative accounts on my credit profile. After reviewing my credit report I found that someone has been using my name to obtain credit. None of the accounts listed in my identity theft report belong to me. This is extremely frustrating as I am trying to buy my first home.
Consumer complaint received 2020-01-26
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)

It's not my account, i never applied for it, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that it's not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft  affidavit/report that I am attaching ).
Consumer complaint received 2022-08-12
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. (NJ)

This company is reporting inaccurate information on my credit report which is hindering me from obtaining credit. I mailed and called the company a letter requesting a re investigation into this account they told me the original creditor has verified this account and it will remain on my credit report. This company has been reporting this inaccurate account since XXXX I have been disputing this account since XXXX and they will not tell me how the verified this account.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I tried to purchase an item online for {$96.00} and never received the item. When I notified the bank they issued a temporary credit to my account. They said they investigated and they denied my claim and reversed the temporary credit taking the money out of my account. I forwarded an email that I sent to the merchant asking them to refund my money because I never received the item and never got a response. I was sent a letter stating that the item had been delivered to the front steps of my home which was in fact untrue. I was out of work and there was always someone home at my house and there was never anything delivered. Also, I live in an apartment complex and any item left outside, the other residents of our building will bring it in and place it in front of the unit of the resident. Their was no physical address on the information that was sent to me it only stated the town, state and zip code of the delivery. I find it ironic that the bank could get in touch with the merchant and I could not get a response from them. I believe they are lying as I told them I believed the purchase to be a scam/fraud. I emailed them a copy of my email to the merchant and a picture of the advertisement of the item that I never received. There were so many red flags and a good investigator would have noticed them. Please request all emails that I forwarded to Bank of America and review them before rushing to judgement to make a decision. 
Thank you in advance XXXX XXXX
Consumer complaint received 2022-04-29
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX  now.with no help.
Consumer complaint received 2020-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

In XX/XX/2019 I changed my repayment plan. Fedloan automatically put me in forbearance ( unbeknownst to me at the time ) so I did not receive a bill in XX/XX/2019. In early XXXX ( approximately XX/XX/XXXX ) Fedloan notified me that if I did not pay {$690.00} by XX/XX/XXXX then they would add that amount to my loan. This money is in addition to my normal monthly payment. I don't think it's right to charge me more than {$1000.00} total when I never requested to be in forbearance in the first place.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XX/XX/2021 the State of New Jersey had a pending transaction to go into my account Navy Federal checking account to deposit Back funds owed to me. Currently, I am in a COVID19, Financial hardship, which is documented, and facing losing my home. Navy Federal Credit Union deducted the Majority of funds in the amount of {$4400.00} out of my account Without notifying me of any amounts owed for the debt, the charge account was also disputed, and I did not agree to their terms on my account. My checking account was not opened simultaneously with a credit card, and I did not consent to Navy Federal to remove Unemployment Funds from my account during a National Pandemic. On XX/XX/2021, Ive made at least four attempts to speak with a supervisor regarding this matter and was informed by multiple representatives no supervisor was available, but one would call back but call back but I was not provided with a date or time. The representatives also refused to provide their identity in which I repeatedly to know the first and last names of whom I was speaking with so I could document for my records. requested them and was spoken to very rudely without an attempt to find a resolution to the circumstances. The representative, XXXX did not want to hear what I needed to say nor would he provide his last name. Navy Federal Credit Union is Not operating with Fair Practices within the Government guidelines for individuals effected with a hardship due to the Pandemic. I also explained why I needed for the transaction to be reversed, the representative would not allow any other options for the account to be resolved. Navy Federal Practices are Deceptive, and I do not have a clear record of what was owed nor do I have access to the account to review any transaction histories or statements.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC (KY)

XXXX XXXX XXXX sold my debt to lloyd and Mcdaniels creditor law firm that then did not contact me at all before this, or if they did it never got to me and served me papers while I was at work and then forced me into an agreed judgement. I have a XXXX a month agreement but then they are trying to force me into automatic debit, which I am not comfortable with at all and do not authroize with any company and don't tell me much on filling out any forms. It was a old credit card debt from years before that I didn't even know I had.
Consumer complaint received 2018-02-08
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. (TX)

Hi I sent equifax a XXXX form and online disputed about my hard inquire that I do not have no knowledge of. And they did not prove it was me and did not show that it was me. I want to see what they verified. They wrote me a letter what is that telling me nothing. I want to see the proof myself.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (MN)

They keep turning on autopay without my consent. Theyve done this multiple times. Theyve caused multiple other scheduled payments out of the payment account to be returned. Theyve also attempted to eft/debit accounts that Ive deleted from my profile with them. Im unemployed so this has caused great harm and stress. They feign ignorance into how this could happen. They have verified multiple times on recorded lines that autopay is off. Unauthorized withdrawals from my account either constitutes fraud or theft.
Consumer complaint received 2022-01-12
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: WELLS FARGO & COMPANY (FL)

According to Wells Fargo my " account originated as a XXXX, adjustable rate Pick-A-Payment account. The loan closed in accordance with the proper regulations and guidelines in place at the time of origination. The account was properly evaluated and a loan modification was approved for the account. '' The problem with that response is that I was repeatedly denied a loan modification that would allow me to keep my home while making mortgage payments within my means. Wells Fargo as no shame or bears no responsibility for the destructive XXXX loans, which have since been deemed illegal loans, that they've upheld then and now as regulatory and fair loans. All of which are lies as they've been caught again and again violating peoples court ordered rights.
Consumer complaint received 2022-04-29
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (DC)

An account was fraudulently opened in my name with BB & T. They are aware, and yet have not closed the account. I continue to receive notifications about it. BB & T makes it nearly impossible to speak with a representative, and after hours on hold you just get told that they can not help you.