davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

On XX/XX/XXXX, I received a collection notice dated XX/XX/XXXX from IC System for a delinquent XXXX  account in the amount of {$470.00}. The notice stated in part, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt ... this office will obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. '' Having no knowledge of the debt, and knowing my XXXX  account is in good standing, I wrote to IC System and XXXX on XX/XX/XXXX informing them I have no knowledge of the debt, that I was disputing the validity of the debt and asked them to provide copies of all purported unpaid XXXX  bills for me to examine and verify their validity. '' I sent the letters to XXXX & IC System certified mail and received USPS confirmation of their delivery on XX/XX/XXXX & XX/XX/XXXX respectively. Neither business wrote back. 

On XX/XX/XXXX, I sent a second letter to XXXX & IC System saying I never received a reply to my first letter and asking yet again for proof of the debt. Again, I sent the letters certified mail and received USPS proof of delivery. Instead of sending me proof of the debt, IC System reported this unsubstantiated debt to the credit bureaus, TWO DAYS AFTER receiving my second letter. An account was created on my credit file as " charge off '' and is now is now showing as a derogatory account on my report and negatively impacting my score.
Consumer complaint received 2018-06-13
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (CA)

I currently have an auto loan with Wells Fargo Dealer services. Myself and my husband are on the loan. They have two phone numbers for us XXXX and XXXX. We have repeatedly told them to only contact us at the XXXX and not the XXXX number. My husband has a dangerous job and is not allowed to have unexpected phone calls while working at that number. I have called them several times and asked them why they keep calling that number. They tell me " I do not know why it says do not call next to the number. '' We have been telling them for months to stop calling that number. The last time I told them to stop calling that number was on XX/XX/XXXX they called the number again on XX/XX/XXXX. I have now informed them to only communicate through mail.
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (DC)

I was charged a {$35.00} overdraft fee on XX/XX/2019 for an apparent overdrawn account on XX/XX/2019. However, my account never went into the negative on that date and remains in the positive today ( XX/XX/2019 ).
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WA)

I opened my Home Depot Credit Card account in XX/XX/XXXX. 

I applied online. Upon applying, I received a notification that I was approved and prompted to create a username and password. 

On XX/XX/XXXX, I made a purchase at the Home Depot for {$470.00}. 

I had a family emergency overseas and left on XX/XX/XXXX. I Instructed my wife to pay {$300.00} either by writing a check from our joint account or by making a money order when the Home Depot credit card statement comes in the mail. 

In XX/XX/XXXX, I returned from overseas and went to my local Home Depot store in XXXX XXXX to find out why I havent received any bill to pay my credit card. They told me that I can log online to make a payment or view my statement and provide me with the website address. 

This was the first instance in which I discovered my account was past due. I immediately made a payment and set up auto pay to ensure my account is never late again. 

In XX/XX/XXXX, I called Citibank regarding two late payments reporting on my credit report. I told them The only reason I did not pay was because I was never billed! I pay all of my bills on time. Why is it my fault that I was late when in fact I never received any bill or statement? I was informed by the representative that when I was approved for the account I created a online banking password and by doing so I automatically subscribed to paperless statements. This is absurd. If I knew I was signing up for paperless statements I wouldnt have signed up. I expected a bill or statement to come in the mail. I told my wife to pay the Home Depot credit card bill when it comes in the mail.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (TX)

In accordance with the Fair Credit Reporting act all accounts listed with this consumer reporting agency " XXXX XXXX '' has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I have reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number XXXX. XXXX XXXX assumed this role without permission not only that they did not have my consent. XXXX XXXX did not respect my right to privacy which is under 15 USC 1681 a number XXXX. XXXX XXXX did not exercise grave responsibility, they were unfair, they were partial. Im taken the liberty to file a CFPB report and an attorney general 's complaint. XXXX XXXX never had permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place. 

Attached are Denial Letters from XXXX & XXXX both of which denied me access to my credit report after submitting all necessary documents. After years of failed attempts, failed phone calls its time to be treated fairly and not unfairly
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (OH)

XX/XX/XXXX. I signed my name to a loan for a vehicle through XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX for a used XXXX XXXX XXXX I.D . number XXXX Annual percentage rate 21.689 %, Finance Charge {$14000.00}, Amount Financed {$18000.00}, Total payments {$32000.00}, Total Sale Price {$32000.00} including down payment {$400.00}. I have been paying Bridgecrest {$430.00} every month since XXXX. I got behind in my payments XXXX, because of income decrease and have been trying to get caught back up. My truck was repossessed XXXX Total unpaid contract balance including accrued finance charges, other fees, and any other amounts added to my debt, if any, as allowed by law expenses of there retaking the vehicle. {$10000.00}, {$300.00}, Total amount required to redeem {$11000.00}. I was able to negotiate {$960.00} to get my truck back. Today I spoke to Bridgecrest about another decrease in my income, and if they could go by my income that I'm getting, because I have not been able to pay my rent in the amount of {$760.00} not including Gas, Electric, Water. I was told to pay {$360.00} starting XXXX, {$850.00} by XXXX, or {$1100.00} by XXXX and make regular payments of {$360.00} every two weeks until it will be paid off by XXXX XXXX and my title will be {$18.00}. I simply can't afford this with the income that I have been making. I have been paying on my truck since XXXX. I can't afford to loose my vehicle I have been paying on this long. And I have been doing the best that I can to pay them. They told me that they can't base anything off my income, because I agreed to pay this amount at the time I signed the loan even though I not making what I used to make. I'm still responsible for paying this amount. I am a single parent with a child at home and I should have never signed my name to this loan. All I wanted was a decent car to drive instead of driving a lemon, I have been charged triple for this used vehicle. The covid has been in existence since XXXX. I work with developmental XXXX and it has allowed me to continue to work. I can't work from home. I also have been trying to work odds and ins jobs just to make ends meet. Please don't let them take the only transportation that I have to go to work. It's hard enough. I have other bills, Truck insurance, Maintenance and repairs. I simply can`t do anything at this point, but pay Bridgecrest which is putting me further into a debt crisis.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC. (NC)

XX/XX/2020 Exeter finance Loan amount XXXX Car is charged off I am a victim of identity theft by ex who stole information, identification, and knew personal things about me to open these accounts. I also filed police report about these things.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I settled the amount on XX/XX/XXXX with the collection agency XXXX XXXX XXXX.  They never reported to the credit agencies as the stated they would in the letter thanking me for resolving this issue dated XX/XX/XXXX. They said that I would have to contact XXXX XXXX   myself. I did. XXXX sent me a letter dated XX/XX/XXXX stating that XXXX needs to change contact credit agencies. Nobody wants to take responsibility and do the right thing by simply reporting this settled account!
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

See attatched Equifax Credit Report XXXX XXXX Account XXXX ) Date Closed XX/XX/XXXX Sold/Transfered Deliquent ** IS STILL OPEN See attatched XXXX XXXX XXXX Account ( XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$100.00}?????? What is going on? AND WHICH ACCOUNT OPENED THE VISA XXXX AUTOMATICALLY WITHOUT MY AUTHORIZATION?
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing this complaint against Capital One because I they are misapplying my payments toward balances with lower interest APR 's out of complaince with federal rules and their own stated policies. 

I paid {$140.00} on XXXX XXXX, 2016 to Capital One. This payment included {$68.00} to cover the minimum payment for a balance carrying an interest APR of 15.15 % ( The minimum payment was due on XXXX XXXX ). The additional {$76.00} was supposed to pay off a {$75.00} balance that was carrying an interest APR of 25.15 %. 

Unfortunately, the next billing cycle ( minimum payment due on XXXX XXXX ) showed that I was still carrying a balance of {$42.00} at the 25.15 % interest rate. 

I would appreciate if you department would look into this. According to the FAQ on the back of the Capital One billing statement, it states the following : How do you Apply My Payment? We generally apply payments up to your Minimum Payment first to the balance with the lowest APR ( including 0 % APR ), and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs.
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

On the year XXXX, I had an overdraft account of {$520.00} with XXXX Bank Acct # XXXX now its named TD Bank. 
In XXXX I attempted to open a checking account and was unable being that I was added XXXX. 
I am aware that I have to pay my debts but I read that being that this debt is more than 15 XXXX old TD Bank should not have reported me to XXXX. I am in the process of filling Bankruptcy and not sure if this presently should apply. 
I am sending this complaint for you to be aware that TD Bank has made it quite difficult/impossible for me to open a checking account which presently I do not have, And possibly have done this to others. 
I have attached the original Collection Agency notice of my overdraft at XXXX Bank in XXXX. 

Thank you! 

.
Consumer complaint received 2019-05-15
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. (NJ)

I paid off and closed this account with XXXX XXXX XXXX on XX/XX/2019. 

They have YET to report to the Credit Bureaus that my account is PAID AND CLOSED. I have contacted XXXX 5 different times : XXXX XXXX : XXXX-XXXX-XXXX XXXX XXXX : XXXX-XXXX-XXXX XXXX & XXXX : XXXX-XXXX-XXXX Monday - Saturday XXXX - XXXX ET Sunday XXXX - XXXX ET XXXX They assured me that on XX/XX/2019 the credit reports would be notified the account was paid and closed. This has NOT HAPPENED. Today is XX/XX/2019 I have disputed this with Transunion twice and XXXX three different times. XXXX I have provided the letter stating the account is closed and has a XXXX  balance and they still state that after contacting XXXX the account information reflected on my report will remain. This has negatively affected the rate I will receive on my mortgage.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Yesterday I received an email from Bank of America saying my phone number has been deleted by XXXX. And the next day I stoped by one of the branches and I was noticed that my checking account had been closed permanently. And I haven't been told the reason why it happened. I am totally in the dark. 

I tried to solve this but they told me that was the final decision. And my balance can be only returened to me when they finish the whole closing process which may take up to 4 weeks. It badly influenced my life and I can do nothing for this.
Consumer complaint received 2020-08-19
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. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$470.00} XXXX   XXXX {$770.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Last week, I deposited a check that someone had endorsed over to me. I then withdrew an amount of cash from an ATM. USAA immediately put my account " under review '' and never told me. I did n't receive a call or an email. I logged in that night and my account balance was " unavailable ''. I called and was told it was a " back office '' review and the customer service representative could n't tell me anything for 3 business days. I called back after 3 business days and they still could n't tell me anything. A manager said they would fast track the review and I would hear from someone within 24 hours. That was over 48 hours ago. No one can tell me why this happened or how to resolve it. I do n't even know why it was put under review. I just want my money back so I can move to another bank.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (NC)

Around or about XX/XX/2016 I had a credit card with Navy Federal Credit Union that was maxed out and I could no longer afford to pay the debt. I closed the account and I have since supported myself from both VA benefits and financial aid. Additionally, I have an account with this same institution that both me and my ex husband share to allow for the transfer of money to one another for the purposes of child care. That account has been the primary account that my benefits have been put into and only had {$210.00} prior to this incident. Recently on the XXXX of XXXX I received a payment from both the VA and XXXX that went to my University and my University forwarded the remaining balance to my account. The amount that the VA sent was {$5000.00} for XXXX VA benefits and the amount that XXXX sent was {$5100.00}. After the University deducted the cost of school they forwarded the remaining balance of {$5000.00} to the account on file. The next day on XXXX XXXX there was an adjustment to the account for {$3100.00} leaving only {$930.00} due to two previous transactions pending for {$1100.00}. Upon calling my financial institution I was informed that it was for the closed credit account and there was nothing they could do. The next day on the XXXX of XXXX I called again to inform them the money was both from VA benefits and government assistance and explained those funds should be exempt. I had even faxed proof of the funds origination. Neither of these calls were easy. I had to explain both my financial and personal situations to the Counselor multiple times and I was told that the funds in that account were not being used for school anyways. I explained that I dont possess a card for that account and my ex-husband uses it. They accused me of not speaking to them and I told her I had just talked to a rep who called me and it should be on file and she said that didnt matter. They proceeded to tell me after I sent proof that they would give me half back if I could commit to a payment plan and I again explained that even if I did that I couldnt pay consistently. The person I spoke to was rude, condescending and disrespectful and I dont believe she handled the situation within the bounds of the FDCPA. Furthermore I believe that the money they garnished, set off, or adjusted was exempt from them being able to do so. Now I am reaching out to CFPB to address this matter.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to formally express my deep dissatisfaction and distress caused by the handling of my account and disputed charges by Navy Federal Credit Union. Despite my persistent efforts to resolve this issue, I have encountered a distressing lack of assistance and communication from Navy Federal Credit Union, which has exacerbated my financial and emotional stress. 

On XX/XX/2023, I opened an account with Navy Federal. Issues began to surface when fraudulent charges were made on my account. On XX/XX/2023, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, I met with a banker to dispute several charges. I was assured that the disputed charges would be credited within 5-7 business days and that I would be contacted if there were any queries. Regrettably, this did not happen. Moreover, despite reporting my card as missing and providing an updated mailing address, I found that my address was not updated and the missing card was still active, leading to more fraudulent transactions. 

The initial list of disputed charges included multiple transactions from XX/XX/2023, to XX/XX/2023, including several charges by Navy Federal Credit Union for Returned Item Fee, when I had a positive balance in my account and nothing was ever returned. The distress caused by these fraudulent charges was amplified by my XXXX XXXXXXXX, making the situation extremely challenging for me. 

Subsequent visits to the bank and communications yielded no progress. On XX/XX/2023, I was informed that the investigation was closed without any explanation. Further fraudulent charges were made on the card I reported missing, indicating a serious lapse in security and customer service. My efforts to dispute these additional charges were also thwarted. 

In an attempt to seek resolution, I sent a certified letter to your XXXX, Florida office on XX/XX/2023, outlining additional fraudulent charges on card # XXXX. To date, I have received no acknowledgment or response, which is not only distressing but also unacceptable customer service.