davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (MN)

I am a victim of identity theft. Someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX. I never applied for an account with XXXX. I been receiving harassing and threatening telephone calls and death threats from XXXX XXXX XXXX in regards to the unauthorized and fraudulent account and debt. The account do not belong to me.
Consumer complaint received 2022-09-06
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: Avant Holding Company, Inc. (TN)

I have had fraud on my credit card XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a specialist name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-05
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: Rocket Mortgage, LLC (NC)

I hope all is well.. 

I just look at my credit report. Someone is pretending to be me. I keep being a victim of fraud and identity theft. Im not for sure whats going on. I keep getting scam calls and I believe thats what happen. This has happen in the past can you please remove the inquiries. Thank you for your time have a wonderful day!
Consumer complaint received 2021-06-05
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. (CA)

I have sent 5 letters to experian and XXXX  regarding my credit report the inquiary that are on them and also the the fraud alert i ask XXXX, experian to take the alert from my credit report and the alert is still showing on my report and i go threw way to much to talk to and customer service rep please help
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have purchased for a service called XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX but that I setup the auto-payments, but bank of america never deducted from the debit card and charged as late payment. 

The auto-payment was never enabled or deducted automatically due to bug in the site. 

Please resolve my issue, else I will have problem with credit report
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I received as a XXXX present American Express gift cards with expiration dates in XXXX. Despite my attempts to use the gift cards prior to their expiration dates, American Express had deactivated the cards. I spoke with XXXX XXXX on the American Express Prepaid Resolution Team on XX/XX/XXXX. She indicated that I would have to fill out a form that she was mailing to me, and that I should expect to receive replacement gift cards within XXXX - 10 days. She emailed me reference # XXXX. I received the paperwork, filled it out and sent it along with pictures of the gift cards, as requested by American Express. It has now been almost two months, and I have not received the replacement cards. I tried calling the number she referenced in the email, which is XXXX, but I only get a pre-recorded message with no ability to speak to a representative. 

I have also sent several emails, none of which was responded to. I am attaching the string of unanswered attempts to request additional information. 

I fear that I have been defrauded.
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Apparently the settlement resulting from their XX/XX/XXXX A lawsuit was n't enough for XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX ). Although the school was forced to pay out approximately {>= $1,000,000} in settlement for complaints leading all the way back to XX/XX/XXXX, it apparently did n't have any impact on XXXX. More recent lawsuits have been filed against XXXX XXXX as well as against lender Sallie Mae by former students who claim that hidden fees suddenly appeared on their loans after their terms changed without their agreement. One such former student stated he found that his already ridiculous loan totally XX/XX/XXXX had ballooned to over {$220000.00} when it defaulted and he became aware of the hidden terms and their changes in addition to unreasonable debt collection fees by collectors. 

Students were led to believe that they were pretty well guaranteed jobs upon graduation and students could expect to earn between $ XXXX-XXXX per year. Considering the median salary for waged photographers is more like {$25000.00} per year and that XXXX has a XXXX dropout rate, this was proven to be highly unlikely a result for graduates. XXXX also requires that students begin paying back their loans for tuition within 6 months of walking in the door. This means students going to school full time have to come up with loan payments on tuition of {$25000.00} per year while still attending and is contrary to the industry standard. Most schools defer loan payments until students have graduated and are out of the program for 6 months. While some individuals state this is in the fine print somewhere, for low-income students, many of which are the first in their family to attend university, the fine print was missed if it did exist. 

Investigators discovered that contrary to what XXXX was stating about their job placement and salary expectations, not one graduate from the program was even earning {$50000.00} per year, let alone anything beyond the lower amount. XXXX jobs paying those substantial figures involve additional skills like journalism or communications, business savvy, and connections to get. 

With XXXX XXXX signing up hundreds of XXXX students per year in a job market that does n't require that many placements, how on earth did they expect all these students to find jobs. Many graduating students found that the XXXX jobs they could get were the generic type at XXXX or XXXX XXXX centers, earned not much beyond minimum wage, and did n't require a degree in XXXX. Flooding the field with hundreds of graduates per year was unlikely to improve those job prospects any ... if the students managed to graduate that is. 

This school remains open and offers the identical classes, still has seriously overpriced tuition, and XXXX % or higher job placement success rates. Tuition for similar programs at community colleges and universities is generally less than half the price than this bloated school and its promises.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX {$2100.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$1200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$2600.00} XXXX inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX added to account were incorrect 5. XXXX XXXX XXXX {$1600.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX {$880.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$1000.00} - inaccurate status, remarks and payment history XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - inaccurate status, remarks, and payment history XXXX. XXXX - {$2800.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX {$1800.00} - inaccurate status, remarks and payment history XXXX. XXXX Department XXXX- {$3200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX inaccurate pay status and payment history XXXX. XXXX XXXX- {$7400.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX- {$9300.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$4700.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX inaccurate remarks and payment history XXXX. XXXX XXXX - {$2400.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$2700.00} and {$1000.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX credit card- {$9700.00} - inaccurate balance and credit limit and payment history 20. XXXX XXXX XXXX XXXX XXXX {$660.00} - inaccurate status and payment history XXXX. XXXX XXXX XXXX XXXX XXXX inaccurate remarks and payment history 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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.
Consumer complaint received 2021-06-05
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. (AR)

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports which states that : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX did not give Equifax any written consent to report on my consumer report. 

I sent Equifax a dispute letter stating that United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  of Arkansas does not provide information to any credit reporting agency. 
I have the letters enclosed in this complaint. Equifax is currently still reporting this inaccurate information on my consumer report.
Consumer complaint received 2017-03-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (HI)

I have a mortgage with DITECH. I came out of XXXX XXXX bankruptcy on XXXX XXXX, 2016 and DITECH was notified of such on XXXX XXXX, 2016. However DITECH still has my account under bankruptcy status preventing me from being able to refinance. I had my attorney send DITECH a letter requesting change in status but there was no response. DITECH refuses to communicate with me. I need the status updated.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX offers a preapproval process on their website which does not initiate a hard pull of a consumers credit report. 

I checked my pre-approval on XX/XX/XXXX and received alerts from experian and XXXX that a hard inquiry was made. 

I called XXXX and explained that I had received a hard inquiry through their pre-approval process. They were aware of an issue and sent confirmation that they would be removing the inquiry. 

I have attached the letter they sent via XXXX.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I had contactedWells Fargo to open a claim about a fraudulent charge by XXXX, a third party, used to purchase a flight ticket with XXXX. When I arrived for my flight on XX/XX/2024, XXXX staff notified me that my ticket reservation was marked for fraudulent activities, that the third party was using a discount den ID not associated to my name. I had contacted XXXX through their website and all they stated was to submit a form online and that they could not assist me with anything further. I immediately contacted Wells Fargo to notify them of this fraud charge. They opened a claim and temporarily provided my account with the funds. I heard back from XXXX also known as XXXX, and they stated they have not heard have from the airline in regards to the problem. Wells Fargo denied my claim and now I am was charged the {$130.00}. I asked for help from Wells Fargo and stated that this is clearly a fraud charge I did not receive any services from this charge and that I did not approve of it. I really need assistance because Wells Fargo said that they could no longer XXXX me with this. I can not even contact anyone from XXXX and get this resolved. It has been over a month and really need this resolved. I am at a dead end thinking that my bank would protect me.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: M.A.R.S., Inc. (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Consumer complaint received 2015-04-06
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NJ)

I accessed an ATM machine at XXXX XXXX XXXX. I was charged {$3.00} fee, which I understood to be for using non-bank ATM Fee. However, i was charged additional {$3.00} from my bank for charging a different bank 's ATM Fee. I was charged total of {$6.00} for this transaction. {$3.00} by my bank and then {$3.00} by the other bank.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

Receive daily calls from Gila LLC XXXX calls daily attempting to collect a debit from State of Utah for an assault court charge.from 1991. Never had an committed an assault crime in UT or anywhere.
Consumer complaint received 2020-09-11
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: National Credit Systems,Inc. (CO)

NOT A DUPLICATE COMPLAINT XXXX  XXXX XXXX   has already conceded that for three years they were damaging the credit of my wife and I even though I had notified them of their mistake on multiple occasions. 

They only and finally took action on my account as it relates to the first of four errors I pointed out in my last complaint ; that they can not legally seek two forms of recovery for a single financial harm. To date, they have not even updated their credit reporting to adjust their mistake. This admission of violation of FCRA law carries a {$1000.00} statutory penalty. 

In electing the financial penalty based on a failure to provide sixty days notice amounting to roughly {$1600.00}, the total amount they now claim we owe is still three times their actual financial damages. I believe XXXX XXXX re-rented my unit on XXXX, which would make their actual damages roughly {$640.00}. Seeking to collect financial recovery in a contract in excess of actual damages is recognized as a " penalty in contracting '' and is barred by federal law, as I referenced in my previous complaint. 

Included in the charges are roughly {$300.00} for alleged physical damages to the property including cleaning and painting the unit. Under Colorado law, the burden of proof for keeping a security deposit against actual damages lies with the landlord, but XXXX XXXX has provided no evidence of any damages. As such, my security deposit was improperly withheld and though I have lost my chance at treble recovery under statute, I am still owed that {$250.00} by law. 

The {$500.00} liquidated damages charge is the only legitimate portion of this debt and I have ALWAYS been willing to pay this amount, but XXXX XXXX and their collections agent Nation Credit Systems, INC have insisted on collecting only the inflated false amount. 

In a Colorado Court of Law I am legally entitled to {$750.00} from XXXX  XXXX XXXX for furnishing an pursuing a false debt, and improperly withholding my security deposit, against the {$500.00} I rightfully owe them. Their admittance of fault in my last complaint and lack of proof of damages shall serve as my evidence.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I have contacted Equifax multiple times due to them combining mine and my brothers credit scores. My brother has filed many online disputes ( as he is the only one that can have access to an online profile- I am not given access to an online profile as they stated they can not fine my credit score?? ), and I have sent them a dispute via FAX ( number I was given by their worker ) XX/XX/2021 XXXX XXXX attn : dispute. They have my DOB and SSN listed under my brothers profile and out credit cards, inquiries are all mixed up. This has caused us not to be able to get certain loans, cars, etc due to this. It has caused higher interest rates and XXXX XXXX I can not get to through to them no matter what and I need someone to assist me in this. 

Their Dispute number for live reps. does not work, it states something about being closed due to covid?? The online disputes come back stating that they reviewed SSN card, Drivers Licenses and all other documents but no updates are very made nor are the credit cards split up how they should be and two profiles made.
Consumer complaint received 2016-04-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been denied for fraudulent charges on my Bank of America credit card. 
My wife and I share an account and have XXXX credit cards. During the month of XXXX, while we were both in XXXX, our home state, someone purchase XXXX things in XXXX. The charges are for {$2400.00} and {$240.00}. 
When I contacted Bank of America initially they refunded me and then in XXXX the charges were reversed and validated on my account. Upon speaking to them, I offered proof that my wife and I were in fact in XXXX and working during the whole month of XXXX. 
The only response I received was that it was possible for companies to charge for purchased goods weeks later.
Consumer complaint received 2016-03-23
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (WI)

We had a US Bank credit card account that had been open since XXXX. It was a card we seldom used and kept it for a back up card and the tenure to improve our credit score. Sometime around XXXX XXXX the annual fee became due. We did not receive a billing notice and was unaware it was due. US Bank maintains we were notified. Around XXXX XXXX I did receive an e-mail with the notification about the past due amount. I called the number to clear it up and was told the account was up to approximately {$120.00} after US Bank added late charges for three months. Thinking this was just a misunderstanding I offered to pay the annual fee plus XXXX late charge. They told me the account had been closed and could not be re-opened. At this point I refused to pay for a closed account and a fee I did n't know about. The representative put me on hold to discuss with a supervisor and returned to report that the fees had been reversed and I no longer owed the amount. In XXXX XXXX we refinanced our mortgage. In the process of that we were informed about an entry for non-payment on our credit record. We had been reported for non-payment by US Bank for an annual fee we knew nothing about until it was too late. Fortunately, this was the only adverse record on our credit report because we have always paid everything in full and on time ( or ahead ). It caused our score to dip about XXXX % so we had a good score rather than excellent. We have sent two letters to US Bank to ask them to reconsider, what we feel, is a completely wrong way of doing business. Their responses have been to rely on the true fact that we did n't pay the account. First, we would have paid it had we known about it. We would have liked to keep the account. We have paid the annual fee every year since XXXX. Second, US Bank 's cardholder agreements say that the account fee is to maintain and service the account for the following year. If the annual fee does n't get paid it should follow that US Bank does n't have to keep the account open to service it. Therefore, an annual fee is in a different class of charges from an actual purchase. Non-payment of an annual fee should not have the severe consequence of an adverse credit report. Third, as a corollary to the last point, if a customer does n't pay the annual fee it may be that they no longer want a seldom used account with a zero balance. We would like them to remove their adverse entry in our credit record.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (CA)

I took home mortgage to purchase a house with the address : XXXX XXXX XXXX, XXXX, NC - XXXX. 


Better.com did not provide clear instructions about the EMI payments. Even after sending multiple emails to better.com, I could not able to get the details of where to pay my home mortgage EMI from better.com. That caused late payment and credit score drop. I have paid all the late and current EMI payments. Now I need a letter saying that the late payment was done due to miscommunication from better.com. I want to use this letter to dispute my credit drop and remove the late payment remark in my credit history.