davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-25
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I AM A XXXX WITH SERVICE CONNECTED XXXX, MY WIFE WAS MY CARETAKER UNTIL HER DEATH IN XX/XX/XXXX, XXXX REQUIRED ME TO HAVE A NEW PAYEE FOR MY XXXX CHECKING ACCOUNT AND POWER OF ATTORNEY FOR MY NONE XXXX BANKING ACCOUNTS. AT BANK OF AMERICA, THEY TOLD ME ANDTHE NEW CARETAKER TO ( XXXX ) BRING THE DOCUMENTS FROM THE LOCAL XXXX OFFICE AND POWER OF ATTORNEY TO THEM AND THEY WOULD SETUP THE ACCOUNTS .WE DID AS REQUESTED AND NEW ACCOUNTS WERE SETUP.NOW IT XX/XX/XXXX AND MY CARETAKER HAS IRS PAYMENT PROBLEMS AND MY ACCOUNT WAS OVER-DRAFTED BY {$25000.00} AS PAYMENT ON HER BILLS.NOW THE BANKS IS CHARGING ME LEGAL AND OVERDRAFT FEES, SAYING IS WAS IRS FAULT THE ERROR WAS MADE, IRS SAYS IT IS THE BANK FAULT FOR NOT SETTING UP THE ACCOUNT AS A POWER OF ATTORNEY, WITH OUT ( P.OA. ) ON THE ACCOUNT, NO MONEY WAS TAKEN FROM THE XXXX ACCOUNT BECAUSE IT WAS NOTED AS PAYEE.
Consumer complaint received 2023-07-22
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$5100.00}.
Consumer complaint received 2016-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

Back in XXXX I co-signed for my daughter to obtain a student loan for XXXX school. The original loan was for XXXX. Today it was brought to our attention that she still owes XXXX on a XXXX loan that she has been paying off for the past 9 years. I spoke to an agent at Navient and they say the loan will be paid off in XXXX. Now that is 17 years of paying XXXX per month, which she has been doing for thee past 9 years. According to our calculations, we are paying XXXX in interest on a loan that was initially XXXX ' I went round and round with these people and they disgust me the way they are ripping us off. What can be done, if anything, to resolve this matter? Is n't it illegal for a company to charge that much interest? The interest rate on the said loan is 9.25.This means that we will be paying XXXX for borrowing XXXX. The school that she attended was The Ohio XXXX XXXX XXXX XXXX. The original loan was through XXXX XXXX and when they closed Naviant took the loan over.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I had a credit card from Wells Fargo for a long time and this whole time I had the credit card and my regular debt card I feel like I was always charged a lot of fees that were not right. For one my card was supposed to be a student college account and they signed me up for a regular one so I was getting charged fees left and right when I was still a minor. I feel as if we need to look into this because I was wrongfully charged and I am a loyal customer to Wells Fargo. My whole family banks there and this is just not right. I had to close my credit card and mess up my credit just because I could not afford the interest they were charging and all the extra charges. Please help me I am still a student who will need to get loans for schools and I cant do that due to my credit situation from Wells Fargo. Thank you.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Ban k of American  offered a  XXXX  signature credit card in connection with   XXXX    XXXX . As part of the inducement to apply they offered  XXXX  bonus miles and a companion ticket for the cost of the taxes and fees associated with the fare of the ticket. They offered apply now and book your travel immediately. This is not true. Although I was immediately approved for the card and immediately made the required purchases, when I received the actual card an " insert '' stated that the miles and the companion ticket would not be issued for up to  two  more billing cycles.   I would not have filled out the application nor would I have used this card had I known I would not be able to travel within the very near future. " We look forward to traveling with you soon '' is not exactly what they mean. Applying now and if you 're instantly approved- you can book your next flight immediately " is a lie. " Buy  XXXX  ticket, and get  XXXX  for just the taxes and fees from just {$22.00} after you make {$1000.00} or more in purchaes within the first 90 days '' is another lie.
Consumer complaint received 2022-09-06
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. (CA)

XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted.

This agency is in violation of 15 USC 1692g. This is an official dispute of this account.

I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE TRANSUNION WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports 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.
Consumer complaint received 2021-01-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

We are the XXXX XXXX XXXX XXXX files a Chapter XXXX BK XXXX and ever time we try to make payments on our Suntrust MTG ( Truist ) account # XXXX there are issues so the account is consistent goes last due. Payments cant be made by nonlinear, phone and regular frontline agents and collectors cant the payment. This last time we sent a bank wire for the full past due XX/XX/XXXX it was returned by Suntrust and all the information was correct ( amount, payee, account # and their address. Once the funds became available I called Suntrust XX/XX/XXXX and spoke a frontline agent and her manager and after 1 hr. They apologize so I called back and ask to speak to the BK as I am trying to make a payment they transfer me and it route back to XXXX  XXXX  who were unable to take a payment. I hung and called back 3rd time that agent was the least helpful stating she could hear. I hung up and back then after 35 minutes a competent employee XXXX who processed a payment. 

This is a clear violation of UDAPP deceptive acts and practices because they read the disclosure attempt to collect the debt and if you file BK you may not need to pay the bill however Suntrst can take action on the property The home was excluded from BK and I am trying my best just to get them to take a payment
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (WV)

US Bank Home Mortgage in XXXX Minnesota is reporting a 60 day late payment for XX/XX/2023. The payment was due XX/XX/2023 and was paid XX/XX/2023. It was 28 days late. I have documentation from my U.S. Bank online portal account verifying this fact. I have called them about this matter and have received extremely rude customer service and being told they have a non communicating credit department. Advised me to dispute it with the credit bureaus. I done this dispute thing 3 times with XXXX WITH my documentation proving I was not late 60 days. I really dont know what XXXX can do considering US Bank has a non communicating credit department. Therefore, I got NOWHERE with disputing this. Even though I am right about this, I even wrote a Goodwill letter and mailed it to US Bank asking them to fix this. This got me NOWHERE. I live off Social Security XXXX. I am XXXX. I have applied for several different home equity loans and cash out refis to make home modifications to better accommodate my XXXX. I keep getting denied time and time again. No lender will touch me with this 60 day late on my report. So I have to struggle with a XXXX needlessly because US Bank is holding me hostage. They know if they fix their error, Ill refi with another bank and they will be out of XXXX XXXX XXXX  of dollars in interest. Isnt this basically XXXX discrimination?
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (NC)

On XX/XX/23, I opened a case XXXX with Blackhawk Network regarding a refund request of my prepaid visa gift cards, totaling {$10000.00}. On XX/XX/23, the information was confirmed and I was told I would be updated regarding the status of the case. Contrary to this, I was not updated, and upon calling in to follow up on XX/XX/23, I was told that the refund request was denied as I could spend the remaining balance on each card. 

The company is not aware of its own terms & conditions, as the fact I can use the cards is irrelevant to whether I can get a refund or not. I do not agree to the terms, so i ask to cancel the cards and receive a refund check. This is stated as an option simply in the attached terms & conditions, which this joke of a company fails to understand of itself.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (NY)

I am having trouble verifying this debt because it is about 7 years old. I have also been contacted by multiple different third party collection agencies which is making it hard to understand where the debt lies, and I also believe is prolonging the negative debt reporting on my credit report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (GA)

I explained thoroughly to the company that they are still showing late payments on a car they already have which is factually inaccurate. the company global lending is also showing that this is an installment loan on my account which is also false. the vehicle is no longer in my possession so i have the right to an accurate profile. gap has paid this financial company so the balance is also incorrect. everything about the report is not accurate. i have the right to an accurate credit profile and this company is making it hard for me to obtain new credit. This company is NOT Authorized to report anything i haven't giving written and expressed consent and must remove this account as such.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (IL)

I rented from an apartment complex in XXXX of XXXX, called XXXX  at XXXX. I was told that I would be given a ten day notice because someone said that I had someone living in my apartment that wasnt on the lease. In XXXX of XXXX, I was given that noticed and I asked the Assistant property manager XXXX what I needed to pay as far as the remaining rent goes. She said, I dont know and I wouldnt pay if I were you. I left the apartment in the middle of XXXX. In XXXX I received a bill from IQ Data International that represents XXXX  at XXXX. The bill that they provided me with was incorrect because the rest should have been prorated because I left in the middle of the month and they also put XXXX on my account which I paid for separately. When I called the representative from IQ Data International, she was extremely rude when I asked her why the amount was off. She told me I have to pay it. Ive tried contacting on other occasions to see if I can get a settlement and they were not willing. The last time I called the lady assumed my tax return and said I should be able to pay her. Ive paid them in total {$200.00} and no where on my credit report has that been reflected. What happened to that money? They keep incurring interest on my account which is even more than the rent I paid them. I have disputed this company many times and no one is helping me. I even hired a company to assist and paid them almost {$400.00} which was a scam. I need assistance.
Consumer complaint received 2020-09-11
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. (AL)

I have sent a total of 3 disputes requesting that inaccurate information be removed from my report. They keep responding the information has been verified without sending any documentation which give them the right to list this inaccurate information on my report. The reporting of this inaccurate information is destroying my credit I have sent all letters certified mail I have receipts upon request, I also have copies of all letters & copies of the company response.
Consumer complaint received 2021-01-27
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. (TX)

Equifax refuses to investigate fraudulent unauthorized inquiries after several disputes. The last dispute was XX/XX/XXXX  and today is XXXX and no investigation. 

I request these fraudulent unauthorized inquiries and I request to delete them ASAP. Yes I have tried to contact the creditor and they dont have any record I signed a contract with them as required by FCRA. 

The unauthorized inquiries are : XXXX XXXX ON XX/XX/XXXX  XXXX XXXX XXXX on XX/XX/XXXX  XXXX XXXX XXXX  : XX/XX/XXXX  XXXX  XXXX  ON XX/XX/XXXX  Global Lending Services on XX/XX/
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

The following account is not my account and I have no knowledge of this account or the primary company they say to be collecting on behalf of. I have called and tried to verify the debt by phone and mail and have gone more than 30 days without a response. Please have Jefferson Capital System XXXX removed and permanently deleted as I have no knowledge or responsibility for this account.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

ON XX/XX/2022, TRANSUNION, XXXX, AND XXXX CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY XXXX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (AZ)

On XX/XX/year> XXXX XXXX XXXX closed my account with them and charged off a prior loan of {$7400.00} as " bad debt ''. This was then reflected on my credit report showing a {$0.00} balance and closed account. On or about XX/XX/year> Jefferson Capital System purchased this information from this closed account and reported it as an ongoing debt for myself. I have no written contract with Jefferson Capital System, I have never received any written or telephonic communication from them, and this showed as a debt for me as of XX/XX/XXXX, XXXX pulling my credit score down a day before I was set to apply for a new mortgage loan. The actions of Jefferson Capital System negatively affected my credit score to the point that I am now out of range to qualify for a mortgage loan. I also question the validity of the collection agency as it may be a front or a scam agency.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Venmo has frozen my account I do not owe them any money. I have a balance of {$130.00}. XXXX in my venmo Account. When I call customer service they do Nothing But tell me that I will need to talk to the specialist team to unlock my account. The only way to communicate is through email. The Specialist team has not gotten back in touch with me its been over eight days and theyre holding my money. I have sent emails I have called. Nothing works but the tickets say solved. Nothing is solved because I still cant get my money
Consumer complaint received 2020-06-01
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. (LA)

I was XXXX  in 2012 living with different people living pillow post. Someone stole with my info and got different accounts in my name
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I was XXXX  in 2012 living with different people living pillow post. Someone stole with my info and got different accounts in my name
Consumer complaint received 2020-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LHR Inc. (CA)

I was never served in the legal process of getting a default judgment, or I would have defended myself in court and proved this easy. The attorney XXXX XXXX in XXXX is a liar and a fraud who violated fair or actual law on a regular basis. Who is LHR, and I have never been told who LHR is or why bothering me, other than I see on a Fraululant abstract default judgment that should be void, or vacated. The case would have been dismissed if I was ever Served in the first place. Is LHR Licenced?, Who is the person claimed to have sold the bogus debt to now? I ask that XXXX XXXX attorney and I get no information, just very rude comments, and he calls my work when I tell him to stop harassing my employer 's office. I have had my account levied, and my wages garnished all by a default judgment that was gained by providing fake information to my local court whose clerk issued the default. I am a person who would have answered and filed a response with evidence is exactly why Attorney XXXX XXXX avoided serving me in the first place, he knew my address, and sent the process server everywhere else!!! My address is not even on the judgment, it such wrongdoing.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Other — 
Company: CAVALRY INVESTMENTS, LLC (CA)

A lawyer representing the collection company contacted me via USPS in XXXX/XXXX/15. I contacted them via USPS XXXX/XXXX/2015 asking to validate the debt. Their response was intentionally sent to an old address even though they have my correct address on file ; they sent communication to me previously to my correct address. This is a stall tactic which I believe they utilize to prevent payment, arrangements, or settlement.
Consumer complaint received 2015-05-06
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (AL)

My pay has been garnished due to defaulted student loan. Garnishment payments are still ongoing! I 'm still receiving collection/threatening calls at work and to the human resources department ; in addition to my in-laws whom I have never authorized to have this company contact them. This needs to stop immediately and I need help doing so please.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc (NC)

A previous transaction was made to purchase equipment I owned.SO after the equipment was sold to the man outside. They sent another request to PayPal for a refund on something they used. SO course I never answered to this request. PayPal on the other hand took it as a serious request and would never take it off my account, and one day it did. Now I am receiving collection calls for something that Is not my fault.
Consumer complaint received 2021-06-04
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. (TX)

Under the Fair Credit Reporting act, 15 USC 1681, I have the right to consent to or decline the information reported on my credit report and my right has been violated. There are derogatory items as well as inquires that I do not recognize.