davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (RI)

I have a XXXX, Wells Fargo App barely works, I submitted a payment thru the app that was never posted after everything I received {$37.00} late fee and a {$70.00} interest charged. I called on XXXX/XXXX/17 and they assigned me a executive because I said that I was going to file a formal complaint because. After this they told me to wait until they can help waived this for so I made a payment on the XXXX
Consumer complaint received 2022-02-15
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. (PA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2016-08-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I called Navy Federal Credit Union on XXXX XXXX, 2016 and confirmed with their Collections Department that my auto was not in repossession status. I paid {$650.00} on XXXX XXXX, 2016. The balance currently due is {$330.00} ( partial XXXX and XXXX payments ). My vehicle was towed from my home on Monday, XXXX XXXX, 2016 by XXXX XXXX. I contacted Navy Federal Credit Union 's collection department and was transferred to NFCU 's " Repossession '' Department. I spoke to XXXX XXXX who informed me my vehicle would not be returned unless I paid a {$370.00} repossession fee directly to XXXX XXXX ( a towing company ) plus {$330.00} in loan payments to NFCU. My mother, XXXX XXXX, visited NFCU 's headquarters office in XXXX, VA on Monday evening and Tuesday morning and spoke to a Member Services Representative, XXXX XXXX. My mother has a XXXX XXXX XXXX Attorney, that XXXX XXXX, CC Resolution Specialist/XXXX Contact Center refused to accept as sufficient on Monday evening. As of Yesterday, Tuesday, XXXX XXXX, 2016, my balance with XXXX XXXX has increased by {$25.00} per day until full payment to both parties. I intend to pay the total balances due on Friday, XXXX XXXX, 2016 which is the best I can do since I have been without full time employment for a while. I started a new job on Monday, XXXX XXXX, 2016 that will enable me to pay my loan on a timely basis from now on. XXXX XXXX XXXX, Manager (? ) of XXXX XXXX informed me yesterday that my car can be auctioned at any time until the full balance is paid. XXXX XXXX, NFCU Member Service Representative, confirmed yesterday that I have 10 days to pay the full balance to both XXXX and NFCU to obtain my car without it going to auction. 
Since the {$650.00} payment would have taken my car out of repossession status on XXXX XXXX, 2016 if it had been in that status, I would like Navy Federal Credit Union to authorize XXXX to return my car back to my home address where it was taken illegally and waive the {$500.00} payment that will be required when I am able to render it on Friday, XXXX XXXX, 2016. XXXX and XXXX XXXX, NFU Repossession Department, seem determined to make me pay {$370.00} ( repossession fee ) plus a daily storage fee until payment is made to XXXX. This is a very unscrupulous business practice since my car was not in repossession status when towed on Monday, XXXX XXXX, 2016. NFCU staff first stutter, then inform me that " you should have told someone you made the payment. '' Payment was made at the XXXX branch of NFCU. This was also the response I received from " XXXX '', Branch Manager, XXXX. All parties acknowledged that the payment can be see in their " system. ''
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (OH)

On XXXX XXXX, I received a letter from LTD Financial Services, claiming a debt in the amount of {$440.00}. I do not owe this debt, I have never had an account with the company they claim to be collecting for. This is a fraudulent collection. 

I have received several phone calls from this company in the past month in which I have had to ask several questions regarding who they are with before any of the reps would tell me the name of the company they worked for. Upon hearing " LTD Financial Services '' I asked them each to stop contacting me. I was told by every rep that " thats fine, if you wont confirm who you are we dont want to talk to you anyway ''. Of course, I always receive another call. I have blocked the numbers but continue to receive calls from new numbers. 

The letter they mailed states they will mail verification of this debt. I have contacted the Ohio Attorney Generals Office to report this company as well. There is no verification to this debt. This is a complete scam and fraud. I have never owed this amount of money to any company, creditor or individual. After reviewing their status on the XXXX, where they have not even registered, it seems as though this is common practice with LTD, along with contacting people saying their Social Security numbers are not valid. It seems as though this company prides itself in taking advantage of uninformed people. 

I would like to file a complaint and report harassment. If this company continues to take this further and attempt any further collection of this fraudulent debt, or take any action to disrupt my credit, I will have no other choice but to seek legal action. Thank you. 
XXXX
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America was holding a few transactions which were small enough to keep my account from going into overdraft. They were processing these transactions for days until a larger paper check came through which resulted in a transaction reordering. This has happened before and should be illegal and really investigated like it was in 2012. Legislation under the Obama administartion was overlooked and the Federal reserve has done nothing to help the 8 % of the bank account owners from going into deeper debt. 

Transaction reordering should definitely be a crime and investigated to the extent! I just paid {$60.00} x2 for my XXXX credit card payments and over XXXX for a XXXX cable bill. 
' We need to put an end to this and rewrite these Algorithms which are making the banks richer and the poor poorer. They also started charging me a XXXX per month fee to keep the account after 12 years. 
Please help put an end to this and throw these crooks to the curb!
Consumer complaint received 2015-12-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation (GA)

Was aghast at paying 66 % interest. I decided to pay the loan off within 25 days, yet was charged {$100.00} in interest and service fees. Local clerks and managers at the local store only referred me to their manager and refused to do anything.
Consumer complaint received 2022-02-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CO)

I am in school. On XX/XX/XXXX, I issued a fax ( attached ) of my current enrollment verification certificate ( attached ). On XX/XX/XXXX, I reached out to Navient for why my account has not been updated. They replied that they didn't receive the fax. With the help of Navient agent help, I submitted the document via my account page. On XX/XX/XXXX, I called for feedback and Navient confirmed that I do not have to worry about it given that they received my enrollment verification. 
Every XXXX of the month I always make interest payment. So I paid the interest on XX/XX/XXXX. On XX/XX/XXXX, I checked my account and it is shown past due and will be charged to pay late fee. Again I called Navient, they confirmed to solve the matter but nothing. 
Until today XX/XX/XXXX, my account is still not yet updated : my XXXX XXXX has been deeply affected. Navient is playing with my life.
Consumer complaint received 2017-02-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear Officer, I am writing to report that Bank of America cheated me over the phone. 
On XX/XX/2016, I and XXXX in her XXXX office made a phone call to Bank of America, regarding my home-line-equity account with Bank of America. I was told by Bank of America that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
However Bank of America failed to keep its promise and closed my Home Equity Line account. 
I am demanding Bank of America : 1. Restore my Home Equity Line account. 
2. Refund me the payoff fee. 
Thank you! 
XXXX
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

After being denied a secured credit card through XXXX, I was redirected to get a free copy of my credit report through Experian. I have tried multiple times to complete the application and continue to be stopped by " unable to process your request ''. I have used there online system and phone system several times ; as well as spoke to a supervisor by the name of XXXX, who could not help me resolve this issue and continue to redirect me to another site for a " free '' credit check or pay for membership. As a consumer I have the right to a free copy of my credit report when it is used in an application. Theory have left me at a dead end and I can not find anyway to resolve it!
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been trying to get a hold of Bank of America for 3 weeks to resolve fraudulent charges on my card. This card was never activated and the charges are identical in nature after three rounds of canceling and reissuing a card card. 
Charges are coming from XXXX. 

There must have been a massive data breach that was not shared with customers. 

I know of other people affected in the same way by Bank of America.
Consumer complaint received 2022-09-06
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)

On XXXX I went to XXXX XXXX XXXX XXXX for the reason to purchase a vehicle. The funds being used were from a certified check verified via telephone by XXXX XXXX, XXXX XXXX for XXXX as I sat at his desk. Once the funds were verified, XXXX XXXX who I was told doesnt work there anymore, began printing out the paperwork to transfer the vehicle into my name and any other paperwork needed for the transfer of my vehicle. Before signing any of the paperwork, I ask XXXX XXXX if they would be running my credit because one of the papers that was placed in front of me looked like a credit application. I asked to make sure that this was a cash purchase and informed XXXX XXXX that I did not want my credit ran, being that being that I was in the process of building credit and shouldnt have my credit ran on what was equal to a cash transaction. XXXX XXXX assured me that there was no need to run my credit because as I heard when he called to verify the fund, that the funds are indeed verified via the earlier call. With that reassurance I signed all the paperwork XXXX XXXX placed in front of me and drove home an hour later in my XXXX XXXX XXXX. 

XXXX I call up to XXXX  XXXX to inquire as to why I still have not received the license plates or title to my vehicle. While on hold I see the consumer credit contract or retail installment sales contract that shows that I financed the vehicle and made one payment for the total amount of the vehicle. I inquire with XXXX the new Finance Manager, as to why they would document a cash transaction as if I financed the vehicle. XXXX informed me ( 7 months after purchasing the vehicle ) that they indeed did run my credit and the reason that the company does that is in case the funds from the check were not available. Again XXXX XXXX called and verified the funds right in front of me so I immediately pointed that out and addressed the violations including identity theft with him before ending the call. XXXX did not have my permission to run my credit at all. XXXX should not have falsely recorded what is equivalent to a cash purchase as a retail installment loan when there was never a loan that XXXX XXXX provided me. 

There was no reason for them to run my credit. There was no reason to open a retail financing contract when the vehicle was paid in full with a verified check. If they did have a company policy to the contrary that was not disclosed to me and should have been as soon as i told the finance manager that i did not want my credit ran. 

I am rescinding any signature that gave this fraud validity due to the fact that full disclosure was not present even when the opportunity arose to present it was addressed by me demanding that they not run my credit.
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (CA)

Sequium Asset Solutions repeatedly calls me regarding credit-card debts that I've long-since paid off or do not owe. They've been hounding me regarding unpaid debts owed to XXXX  from the early XXXX, and I've made it clear to XXXX that I've already paid off those amounts long ago. I've nonetheless received numerous calls at inappropriate hours from a silent robot who then connects me to a phone-operator. They then proceed to utilize identifying information in order to determine if I am the correct party that owes them a debt. 

This is irresponsible, dangerous and utterly unacceptable that they are offering my name and phone number out to strangers to find out if the number they've dialed belongs to me.
Consumer complaint received 2019-02-26
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MA)

I ordered, based on the recommendation of my financial advisor, my FREE credit report from Experian. Unfortunately I did not notice the verbiage that said I must cancel a future subscription within a time period that I DID NOT REQUEST in the first place! I understand this is a marketing tactic, but I think it is obnoxious and misleading. They 're taking advantage of people dealing with their financial status when they 're busy and stressed and they get you because of all the verbiage. Please help me get them to do the right thing for the CONSUMER. They should at the very least, give people in this position a one time courtesy refund. Then we will know for next time to watch for this process. 
Thank you. 
XXXX XXXX
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

I have asked Equifax to please correct the items on my credit report. The filing dates and amounts are incorrect for the tax liens. They have refused to adjust although I have sent them supporting documents. I have also advised them the agency that they have provided for me to make contact with advised they can not give them any information on my case as they do not support XXXX XXXX. Also on the credit report the amount {$18000.00} is listed as an individual lien item however that amount is also included in the lien for XXXX. Which means this lien has been reported twice. Please investigate and advise
Consumer complaint received 2015-05-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (GA)

Outrageous threatening vulgar calls, repeated from Cavalry regarding a debt that was purchased from XXXX. They called me on my cell, and at all hours, some times as late a XXXX. When asked to stop calling me they just continued. During a severe illness I gave them banking information to take payments before I realized what I had done and was able to research this account balance, found I did n't owe it and told them to cease taking money from my checking. But they continued to take my money after I told them to stop, that I did n't owe this debt. I sent notification in writing telling them to stop calling and stop debiting my checking account but they continued. After reconciliation I found they claimed I owed was paid off and I have proof of payment. I ended up having to close my checking account to stop them from fraudulently stealing my money. We are going to court and I hope the Judge at the very least dismisses this case and gives me a refund. They changed their name several times as well from Cavalry Collections to Cavalry SPV LLC to Cavalry SPC I LLC. The methods are less than circumspect they are vulgar, threatening and harassing and need to be investigated and stopped.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (TN)

So I am reporting US Bank and any of its affiliates because a fraudulent account was opened in my name, which was removed off of my XXXX reports, that I had NO IDEA was even opened. Ive tried calling their corporate line to no avail. Ive tried contacting them via mail, with no response. Ive even tried to talk to an actual live banker, who couldnt help me rectify this situation eitherbut Im to the point now where formal litigation will commence against US Bank and all its subsidiaries, unless this fraudulent mark is removed and I am given a fair chance to open a bank account with them. I tried applying for a Safe Debit Checking Account but was denied because they couldnt verify my information? Because there were inconsistencies? Ive already had a fraudulent account from US Bank removed from my XXXX, maybe thats why I cant get one? I have been denied MULTIPLE CREDIT AND DEPOSIT ACCOUNT OPPORTUNITIES BECAUSE PF THIS FRAUDULENT ACCOUNT. AND AS SUCH HAS FACED MANY HARDSHIPS BECAUSE OF THIS. But either way this is wrong and discriminatoryall I want is an actual bank account, and for whatever reason they are denying me. Rectify this situation, or formal litigation will commence.
Consumer complaint received 2022-02-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (AZ)

I APPLIED FOR A MACY 'S CREDIT CARD AND PURCHASED XXXX ITEM WHEN I GOT MY APPROVAL IN THE AMOUNT OF {$53.00}. I WAS INFORMED THAT I WOULD RECEIVE MY CARD AND THE STATEMENT IN THE MAIL. I WAITED AND WAITED AND DID NOT RECEIVE ANYTHING. THEREFORE, I WENT INTO MACY 'S AND ASKED THEM TO PULL UP MY ACCOUNT. I TOLD THEM THAT I OWED THEM MONEY AND WANTED TO PAY OFF MY ACCOUNT. THE CUSTOMER SERVICE PERSON WAS NOT ABLE TO PULL MY ACCOUNT AND STATED THAT I DID NOT HAVE AN ACCOUNT WITH THEM. UPON LOOKING AT MY CREDIT REPORT, I REALIZED THAT MACY 'S HAD REPORTED ME TO THE COLLECTIONS AND IT WAS SHOWING ON MY CREDIT REPORT. I DID SOME RESEARCH FOUND A CUSTOMER SERVICE NUMBER TO CONTACT AND WHEN I DID, THEIR RESPONSE WAS THAT THEY MAILED OUT THE CARD AND THE STATEMENT AND CONFIRMED A CORRECT MAILING ADDRESS FOR ME, BUT FOR SOME REASON BOTH THE CARD AND THE STATEMENT WAS SENT BACK TO THEM AND THEY NEVER CONTACTED ME TO ADVISE ME OF THIS MATTER, EVEN THOUGH I HAD PROVIDED THEM WITH ALL CORRECT INFORMATION. THEY WANT ME NOW TO PAY THE BALANCE OFF AND THEN TRY TO DISPUTE THIS MATTER SO THAT THEY CAN CONSIDER REMOVING IT OFF OF MY CREDIT REPORT. I WOULD LIKE THIS MATTER INVESTIGATED SO THAT I CAN CLEAR UP THIS MESS AND HAVE IT REMOVED FROM MY CREDIT REPORT AT ONCE.
Consumer complaint received 2015-11-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: USCB Corporation (HI)

XXXX school. this is online school. i did not provide my social security number to this school when i registered online.. i do n't know why they have my all information. this school send me to the XXXX company ( USCB CORPORATION ) Collect. i have already talk to them i need close my account. and it show me on the credit report .They keep billing me all the time. I stopped paying them my hard working money, and wasting my time since i went to university.