davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I recently pulled my credit reports and noticed a Capital One account that is not mine and is reporting derogatory. I contacted Capital One and they refused to investigate. It also appears that they attached my social security number on the account that I did authorize to the fraud account, making it look like I have 2 accounts. This is having a severe impact on my credit reporting and scores.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have sent affidavit and identity theft police report to each credit bureaus and nothing has been done. The balance for this account is {$1700.00}. The last time I sent the documents via certified mail was XX/XX/2019.
Consumer complaint received 2023-01-30
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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: EQUIFAX, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$520.00} XXXX XXXX   XXXX {$180.00} XXXX  XXXX {$6600.00} XXXX XXXX {$980.00} XXXX  XXXX {$1500.00}
Consumer complaint received 2022-04-05
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AFNI INC. (GA)

AFNI calls repetadly for days at a time then stop for a while then start again. When I answered the lady XXXX, I asked her where she was calling from she refused to answer and responded that she heard me and didn't understand why I was asking. She was rude and disrepectful. She also stated that this was " their due diligence '' and never revealed where she was calling from. I called the number in order to find out who was calling.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a bankruptcy discharge on XX/XX/XXXX and have attached it to this complaint. My complaint is against T.U. Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. I have attached a copy of a denial. It says reason for denial : # of months since 30 days past due is too low, accounts in collection or 30 days past due, High ratio of accounts past due. How can this be since I was in a 5 year bankruptcy that was recently discharged on XX/XX/XXXX? Every single one of my debts that had any balance on XX/XX/XXXX was included in my bankruptcy. There is nothing on my credit report that was not included and that has not been discharged. That said, it is against bankruptcy laws for TransUnion to make the statements they made in this denial and no creditor is allow to show me past due, charged off or having a balance. TransUnion and the reporting creditors are in violation of the Discharge order. It this matter does not get resolved through CFPB, I will be filing an injunction through the bankruptcy courts.
Consumer complaint received 2021-09-15
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been longer than 30 days, and I haven't received any investigation results.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (CA)

It appears to me that the issue at hand ultimately defines itself as " Extortion. '' The lease ended on XX/XX/2020. I aked BMW financial services to extend the loan and was told, " Dear Mr. XXXX : Thank you for contacting BMW Financial Services. We hope you are healthy and safe, and we are here to assist you during this difficult time. Our records indicate that your balloon payment is due on XX/XX/2020. Regretfully, we are unable to extend the maturity date on a select account. '' It is unclear what it means by " select account. '' My understating of the above statement is that we do not care whether the entire world is in the pandemic and disaster. We want our money. 

The primary issue on this complaint is that the amortization calculation indicted as of XX/XX/2020, that I owe {$10.00}, XXXX ( see attached ). However, the payoff instruction indicted that I owe {$12000.00}. 

There is a {$1300.00} discrepancy. 

I sent two emails requesting an explanation. BMW financial services decided to ignore me and did not respond to my emails ( see attached ). 

I had to borrow money to send the extra {$1300.00} because I was afraid that they would intentionally and unjustly report me to credit bureaus. The pay off check was sent via XXXX. 

On XX/XX/2020, while the entire country was on lockdown, BMW financial services wrongly report 12 late  payments to three Credit Bureaus to intentionally demolish and destroy my excellent credit history. 

I have been filing the second complaint shortly.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2020, Chase Bank N.A. sent me an e-mail message with the subject line " Please review : ( NAME REACTED ), action needed for your credit card payment. '' the message went on to state " Make a payment to stay on track '' and " Your minimum payment of XXXX is due on XXXXMaking payments on time keeps your account up to date. '' On XX/XX/2020, I went to the Chase.com website and scheduled a {$4600.00} payment ( which was the full balance due ) to be made on XX/XX/2020, on this account. I have had this credit card account for approximately four years and have never been late on a payment. 

When Chase Bank N.A. sent me the above-referenced XX/XX/2020 e-mail message in which they stated, inter alia, " Action Needed '' I was deceived into thinking that I was required to take some sort of action or would risk being " off track '' as their message stated. Chase Bank N.A. knew, or was careless or negligent in not knowing, that I had in good faith scheduled a payment in full for the account on XX/XX/2020, and had not cancelled or altered it in any way. I feel that Chase Bank N.A. targeted me for misleading marketing due to my age and/or my political beliefs, both of which are protected by federal law. 

On XX/XX/2020, I wrote to Chase Bank N.A. through their website ( www.chase.com ) and expressed my concerns ; on XX/XX/2020, they replied " I have forwarded your message to the appropriate department for review. We will contact you again in the next 10 to 14 business days. ''
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX, Navient sold off roughly between 15-20,000 dollars worth of my debt to a company called XXXX XXXX , XXXX. Unknowingly, when I came around in XX/XX/XXXX to get right with the debtors and begin paying on my loans with Navient ( I 'd been in the military at that point, and had a stable income ), they neglected to tell me that the debt had been sold off to one of their subsidies. So from XX/XX/XXXX-XX/XX/XXXX to now, I 've been happily paying on Navient 's student loans, unknowing that this interest was accruing with XXXX XXXX, XXXX. Until today of course, when the college that I was trying to sign up with called me back about defaulted student loans. Many phone calls and issues later, Apparently Navient knew that that the debt existed, and is now trying to get me to re-consolidate it again through them like I did the others. So essentially also paying all the interest that accrued, because they kept the sale to themselves.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MI)

I would like to know why the 7year statue of limitations has not been adhered to by this company. This account is over 13 years old. I have hired XXXX XXXX on my behalf with no acceptable results. Wells Fargo fraudulently pushes up the date the account was closed and charged off I think in an attempt to supersede the statue? As you can see on my XXXX report, they keep falsely reporting history for recent years. 

I even asked them for a payment for removal just do be done with it and they refused. 

The account shows opened on my credit report XX/XX/XXXX for {$2300.00}. The account was closed and charged off in XX/XX/XXXX I believe. 

XXXX XXXX has been sending them letters trying to resolve the issue for almost two years!
Consumer complaint received 2017-08-09
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: BBVA FINANCIAL CORPORATION (CA)

Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to early warning that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX Card into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with early warning but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my early warning reporting.
Consumer complaint received 2021-04-27
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: NAVY FEDERAL CREDIT UNION (NY)

there is a charge I didn't authorize for XX/XX/XXXXXXXX for {$54.00}. this is being done by a supervisor in disputes that has been revising disputes on my account and charging my accounts and compromising my cards. Im going to go into a branch this morning and change my account numbers and credit card number since it's fraud on my account and customer service with navy federal is doing nothing. Im writing because I want this charge of XXXX removed and disputed and new account numbers given to me to secure my account. ive written the security department about this discrimination and no one is responding. this is being done to attempt to damage my credit with these unauthorized transactions. I am being discriminated against because of my race and background. this is fraud and I'm being discriminated against by this supervisor in navy federal in disputes that has access to my account information and keeps placing invalid transactions on my account as an attempt to get me to close my accounts and negatively effect my credit score which im trying to prevent. This is a free country and my first amendment gives right to free speech. I didn't violate any terms of navy federal and can not reach anyone in security to unblock my access to services on my accounts. I'll be going into the branch Monday morning. please remove this charge and investigate this supervisor at navy federal that is clearly a XX/XX/XXXX and a XXXX
Consumer complaint received 2020-05-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : UNKNOWN # XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management claims I owe {$1700.00}. They have reported the amount multiple times on my credit report which lowers my credit more than a single report. Furthermore, they claim on their website that I made a payment for {$5.00} on XX/XX/2021 towards the allegedly owed amount. I never made such payment and my checking account statements will reflect that. I don't understand why they would do that - perhaps to subvert the statue of limitation of the alleged debt. Of note : a previous lawsuit involving Midland Credit Management resulted in being settled in my favor.
Consumer complaint received 2019-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have three student loans through Navient. I was told that by placing my loans on auto pay so that the company takes my payment right from my bank account, I would get a 0.5 % deduction on my interest rate for all of my loans. I have been paying regularly in that manner and they have not been crediting me the 0.5 % deduction I should have been getting. Therefore, I am paying more in interest each month, leaving less going to my principle balance. When I called to try to ask why this was happening, the customer service representative gave me wrong information again stating that two of my loans were getting the deducted rate but the third was not despite it also being on auto pay. The interest rates that he quoted my two loans that were supposedly getting the discount are different rates than what shows on my statement sent to me by mail every month.
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meyer & Njus, P.A. (IL)

My wife paid off a debt in XXXX XXXX to XXXX XXXX regarding a XXXX XXXX card she took out in my name. She had proof the debt was paid and after dealings with a collection agency in Ohio ( XXXX XXXX XXXX ). The payment was confirmed by both XXXX and by XXXX. At that time ( XX/XX/XXXX ) this matter was closed and the debt was paid in full. she had previously filed a complaint with CFPB to help resolve this matter and your file show case closed. Then in XX/XX/XXXX I began to receive advertisements from local attorneys regarding a lawsuit against me from XXXX XXXX in the amount of {$1900.00} in XXXX County IL. Not knowing what this is about I called XXXX and got nowhere. ( I have also filed a complaint with your office against XXXX and their tactics ). Finally I was referred to a XXXX attorney Meyer & Nju, XXXX advised that they could help me with my questions. I tried calling their office and was told they did n't know who I was or had anything on file. Then I mailed a letter to XXXX XXXX XXXX in XX/XX/XXXX and received no response from them. Then in XX/XX/XXXX I receive a notice that they are filing a lawsuit against me. I have contacted them to advise that this debt was paid, what do you need to resolve this and those emails have gone unanswered. Should I have not received something from Meyer & Nju prior to getting notices form XXXX XXXX XXXX 's advertising mailings??? I would have been more that happy to address this matter way before we arrived at this point. There were no collection inferences on my credit so I had no idea this was coming. My wife got this card in my name which was part of the problem.
Consumer complaint received 2019-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

At the end of a specified period, Wells Fargo transitions a HELOC from a Line of Credit to  Repayment. In repayment, the consumer agrees to a fixed rate, fixed term repayment arrangement and can no longer access the line of credit. However, for billing purposes, Wells Fargo continues to treat the loan in repayment as a line of credit. In doing so, WELLS FARGO IS SYSTEMATICALLY PREVENTING CONSUMERS FROM PAYING A KNOWN, FIXED BILLING AMOUNT IN ADVANCE until it gets around to posting a bill. This puts in place an arbitrary barrier preventing consumers from effectively managing home equity debt, with the bottom line effect of increasing the cost of credit to consumers and increasing interest revenue flowing to the bank. 
The bank will argue that one can always make a principal repayment ; HOWEVER, THE SUBSEQUENT BILL DOES NOT ACKNOWLEDGE OR ADJUST FOR THIS PARTIAL PREPAYMENT - i.e., the consumer will still be responsible for the full fixed payment when subsequently posted - with obvious negative cash flow consequences to the consumer and interest accumulation benefits for the bank. 
I also have a mortgage with Wells Fargo and within 1-2 days of making a payment, a new bill is posted for the next month for which a payment is due, which I am free to pay. 
Both of these instruments have fixed terms, fixed rates and fixed payment amounts, but only one is cynically structured to trap the consumer desiring to pay in advance into unnecessary interest payments. 
Beyond this, Wells Fargo continues to move the date around when it posts bills. The result of this is that the split between principal and interest is not predictable and is manifestly unfair. Example, for the latest billing cycle payment - which I paid on the day the bill posted - my interest charges were 9 % higher than the prior month, DESPITE THE FACT THAT I HAD REDUCED PRINCIPAL BY NEARLY {$2300.00} IN THE PRIOR MONTH.
Consumer complaint received 2023-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!