davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY (OH)

The new balance information on this credit card statement is deceiving because it does not take in consideration the credits or payments made. So when I look at my bill it looks like I have to pay more than I owe the credit card company. All my other credit cards the new balance is calculated is like this : previous balance less payment & credits plus purchases = new balance. 
Also I have this bill in autopay, so the money is taking out of my account so the credit card is to be paid in full every month, but by adding the amounts on my credit card statement of XX/XX/XXXX my new balance does n't match the amount of the payment taken by Nordstrom from my bank account, which is showing on XX/XX/XXXX statement. It looks like Nordstrom did not take {$9.00}, and I do n't see this amount anywhere in the credits.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with CREDIT COLLECTION SERVICES. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2015-09-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (WI)

I am being sued by a debt collector ( LVNV Funding , LLC ). LVNV Funding claims to have purchased a credit card debt in my name from XXXX Bank, who is listed as the " original creditor ''. Two months after my request for discovery, I received documents with my name and address indicating that I had a XXXX Bank XXXX credit card used from XXXX to XXXX, and that I had applied for this card " on or about '' XXXX XXXX, XXXX. The problem ; I have never had a XXXX XXXX credit card, or any other XXXX credit card. I then asked the attorney for the plaintiff to provide the application. The response was that sometimes there is no application because requests are done online. I can not believe that XXXX Bank would discard the information I would have needed to provide in order to obtain credit from them, even if done online without an actual signature ( unlikely in my case ). It should be a simple matter for the plaintiff 's attorney to provide the original application. What is the CFPB stance on something like this? How can I prove the debt is not mine when the plaintiff has documents that indicate otherwise?
Consumer complaint received 2015-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (IL)

XXXX XXXX XXXX, Debt Collectors, continually robocalls my number, looking for someone who does n't live here, had never lived here, and is not me. 

I have asked them repeatedly to remove my number. The calls continue. They also do these calls on Sundays, when their offices are not even open to begin with.
Consumer complaint received 2021-06-03
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. (AZ)

Fraudulent collections on my credit report I have contacted collection companies and have no responses in obtaining any proof of the debt belonging to me and needs to be removed XXXX XXXX XXXX XXXX Collection opened XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2015-06-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (NJ)

LVNV, Resurgent failed to send me a dunning notice before reporting on XXXX, XXXX and XXXX.Which is a violation of the FDCPA and FCRA. Furthermore they have the wrong address and have admitted such. They filed a judgement with my county court and the notice to me was returned because they have the incorrect address. These unlawful practices of LVNV is causing a huge hardship financially and emotionally.
Consumer complaint received 2015-10-23
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (DC)

On XXXX XXXX, 2015 - RushCard notified me and other members to remove any funds from our accounts on Monday. Being as though I had no money in the account I disregarded the matter. My job would n't have posted my XXXX XXXX until the Following Friday, so in my mind there was no need for me to worry. 

XXXX XXXX, 2015 - RushCard posted my pending deposit to my account in the amount of {$1200.00}, but I was unable to access my funds because the card the money posted to was stolen. I tried to transfer my funds to another account, but system error messages on both the RushCard mobile app and website prevented me from doing so. 

XXXX XXXX, 2015 - I have tried to call RushCard several times about this matter and was told to provide my name, number, address, and someone will contact me. 

XXXX XXXX, 2015 to XXXX XXXX, 2015 - XXXX XXXX reached out to me via XXXX and told me to provide my name, number, and address and someone would reach out to me, I have called the customer service line and was told that same information days to follow, and I still have not received an answer. Every time I call now and request to speak to a representative the call disconnects. The website and the mobile app is still not working. I have not received no answer on when and how my issue will be resolved as of today XXXX XXXX, 2015.
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was purchasing a flight on XXXX XXXX. I almost completed the transaction and, at the last moment, was offered an XXXX XXXX credit card. This is issued through Bank of America. 

There was a lot of advertising material promoting the benefits of the card and there were documents of small print stating with legal significance what would happen with the card. 

But, there was nothing about whether use of this XXXX XXXX credit card would or would not waive the credit card processing fee usually charged by XXXX. Usually, XXXX does not charge for using a debit card, but they charge over {$7.00} for using a credit card. 

It would have made sense for XXXX XXXX to include waiver of the processing fee in structuring this deal with Bank of America because XXXX customers both promote and build goodwill for the airline when prospective credit card applicants see the customer using the XXXX credit card AND I assume XXXX is deriving a new income stream from this arrangement with Bank of America. In other words, XXXX is most likely " double dipping '' by getting paid by Bank of America and also requiring their own customers to pay them to process the company 's own card. I do n't know this as a fact - but it is a safe assumption. I do n't have the investigative resources of the federal government and I was not able to read the fine print on my computer screen ( and my printer was not working ). 

I figured that this card would get an exception from the credit card processing fee, since it is the company 's own card. 

I applied, was issued a card and clicked on a button to use it for this transaction. 

Was I surprised! Instead of two radio buttons for ( 1 ) credit card use with a fee and ( 2 ) debit card use without a fee, there was now ( 3 ) a third radio button for using the card that was just issued to me. That was convenient! Apparently, the XXXX XXXX website has been updated to use the information about the new credit card from Bank of America. 

I almost went ahead and used my new card when I saw that XXXX was going to charge me the credit card fee for processing their own credit card! 

I find it strange that they would charge a fee to use their own card. 

I find it deceptive that they did not say anything about this as part of their flashy advertising material promoting the card. 

If I had this reasonable expectation, I am sure many other travelers do to. 

Furthermore, I would imagine that the issuance of the credit card means that Bank of America " dinged '' my credit report. That was not necessary - I would not have applied for the card if I knew this was going to happen. 

Also, if they did " ding '' my credit report, it was not necessary because they already have underwriting information on me - I am a Bank of America customer and received preferential treatment in applying for the card. By logging into my Bank of America online account from the XXXX XXXX website, the credit card application was automatically populated with some of my information. Bank of America already knew who I am.
Consumer complaint received 2015-10-13
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (PA)

I, along with many other people, have had a huge issue with Rushcard since their " update. '' I can not access my account, my funds have been frozen and my card is now blocked at this point. I can not contact customer service due to the fact that upon request to speak to a representative, the call is said to be placed and then you are promptly disconnected after XXXX rings. I have tried every number I have found and am getting the " run around. '' I 've experienced very long wait times only To have my call dropped. I found a direct line to Rushcard and the woman I spoke with was very quick to try to get off the phone. She kept telling me to be patient and to keep trying to access my account, which I think is why it is now blocked. I explained as much to her and she told me that she could not tell me why it happened and she was sorry but she had no access to my account. Something is obviously going on and it needs to be resolved. Many people are without their funds and some have even stated their balances are now showing " {$0.00}. ''
Consumer complaint received 2016-06-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Before applying for a Bank Americard Cash Rewards Card, I was told " your interest rate will be determined upon approval '' and told ... '' you may cancel the card if I am not happy with the interest rate. '' I applied for the card and received notice saying " your credit application has been approved with a {$13000.00} credit line. '' There was not mention of the interest rate as promised. I consider this false advertising. 

I called, no one could tell me what the interest rate was, and I was told to wait XXXX weeks until the card and paperwork arrives. I would have not applied if it took weeks to find out what the interest rate was. 

I find this totally offensive that they tricked me into applying then make me wait. In the meantime, my credit score drops because of their checking so I am TRAPPED with no card having to wait to see what the interest rate will be, before applying for a card elsewhere. This is a total strong arm lender biased transaction that is unfair to all consumers. BOA should be required to tell me the rate BEFORE applying or at the same time they give approval.
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back when I was younger, I missed a payment or went over my available credit once or twice on my Bank of America credit card. They hiked my interest rate up to XXXXXXXX. I have been paying in full, never going over limit, and keeping my credit card in good standing for the last 3 and a half years and the company refuses to drop my interest rate or increase my limit.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (FL)

My name is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. I am a navy federal credit union member., on XX/XX/XXXX a total of {$3000.00} was taken from my checking account without my authorization for a navy prepaid go card. On XX/XX/XXXX Navy federal credit union transferred the funds back to my account. On XX/XX/XXXX Navy federal credit union deducted over {$2300.00} from my checking account, and XX/XX/XXXX deposit of {$1300.00} payroll deposit, Navy Federal credit union deducted {$780.00} from my checking account. I was sent a electronic form for an appeal, I faxed the information and was told by a supervisor it was not received on XX/XX/XXXX. Fraud has taken place and I need answers please.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I signed documents with XXXX XXXX for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the  vehicle from titled the vehicle improperly. Once notified by XXXX XXXX I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore XXXX XXXX is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I have had with XXXX XXXX, my contracted Auto Loan with GAP insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.
Consumer complaint received 2015-10-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TIDEWATER FINANCE COMPANY, INC. (VA)

Good afternoon, I do n't know if I am sending this to the right department, but I do n't know who else to turn to. I have reached the end of a long rope with a first time car loan company out of XXXX XXXX called Tidewater Motor Credit. I did a Voluntary Repossession with this company because I did not like the way they were doing their business and the way they were treating me as a client. There was a file claimed against me and now they are garnishing XXXX % of my paycheck. Now this may not seem out of the normal, except I told them to take the car, and they did take the car and sold it at auction back in 2003. So they have come back 12 years later and garnished my paycheck for {$10000.00} more than the original loan. I do n't know how this is legal but now it has put me in such a financial hardship that I have seriously considered taking my own life just because I am tired of dealing with it all. I have a severe bleeding disorder and already have to live everyday of my life in XXXX and from that I have XXXX and this just compounds all those things. The attorney for this company, named XXXX XXXX from XXXX XXXX, just acts like he has his foot in my throat and almost laughs in my face. How is all of this possible and no one seems to want to help me. I have contacted the attorney general for the state of XXXX and XXXX and everyone just passes the buck. I even contacted the XXXX Firm and still, no one wants to help me. What in the XXXX can I do? 

I hope you can help and can shine some light on this issue, because I know they are doing this to more people. My time maybe over, but maybe somebody can help somebody else from living with this agony. 

Thank you so much, XXXX XXXX, if you would like to contact me, it is best to email me at XXXXXXXXXXXX
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (PA)

I was attempting to finish getting my late husband 's affairs in order when I noticed a fraudulent charge on our old account. After going through an extended process with Wells Fargo for them to even speak with me about the account, I was told that because he did not file a police report immediately after the fraud there was nothing they could do. This happened near the end of his life when he was unable to even sign his own name, let alone file a police report. I have told them that I am happy to file a police report but they have told me this does not matter, I only wish they follow the laws pertaining to fraud.
Consumer complaint received 2016-04-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

I am currently in XXXX and every time I try to access Wells Fargo Online I have to call the XXXX call centre and obtain an advance access code. 
Can you please register my travel plans to XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Thank you XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX XXXX The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.
Consumer complaint received 2015-08-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in Federal Bankruptcy Court in XXXX XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

XXXX XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XX/XX/XXXX, court records show, the bank will remove any marks on consumers ' credit reports. 

As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by BANK OF AMERICA that appears on my credit report.
Consumer complaint received 2023-03-28
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. (MD)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

I have had a vehicle loan through Wells Fargo for approximately 5 years. Both myself and the buyer are XXXX. I made the payments out of allotments through my paycheck for years. somehow my loan has consistently been overdue, charged large late fee 's, had a high interest rate and has had insurance added to the loan without my knowledge. I have done everything I can to work with the bank and now they threaten me with repossession. Due to all of the issues with the loan the loan is even more upside down than originally anticipated. How do I find out if my loan is part of the Wells Fargo military loan scandal?