davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently to a look at my Transunion credit report and noticed that there are two hard inquiries by XXXX XXXX XXXX on my credit report dated XXXX, and XXXX. I contacted Bank of XXXX ( XXXX ) spoke with a representative and asked for a letter of deletion. The representative said no due to a credit line increase that I requested. I was never told or asked if they could pull my credit report ; and when I asked for proof of said I was told they do not provided this information to customers. I responded by saying " I have a legal right to said request ''. I was again denied ; but told a complaint would be filed. I then asked for a supervisor and she told me they do not have scripts that requires them to inform customers nor are they required to because it is in their terms and conditions. I responded by saying " where because I can not find this in your terms or conditions ''. I am affirmed that this is deceptive and violates my rights in making an informed decision. My right to disclosure at the time is without parallel.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (TN)

Cash Net .com said I took out a loan online on XX/XX/XXXX in the amount of XXXX. I told them I did not. They did have some of my personal information some was right and some was wrong. The guy on the phone was very rude and hateful. 
Now XXXX XXXX XXXX ( number they called from XXXX ) is calling with the same information They said the money was deposited into a XXXX XXXX  account in my name with the last four digits of the account number. 
Both companies said they had reached out and sent notices by email but the email they had was not correct. 
I called XXXX XXXX on XX/XX/XXXX they confirmed i did not have an account with them and the account number I was given by XXXX did not exist. 
XXXX informed me I needed to pay the money or file a police report so I have spoke to the police.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

On XX/XX/22 {$460.00} was taken out my account, the wrong claim was made many times by PNC employees now no one I talk to will help me recover my money they keep hanging up in my face and all I want is my provisional credit, a representative by the name of XXXX promised an expedited process for the credit and still nothing.
Consumer complaint received 2018-02-04
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: EQUIFAX, INC. (GA)

in XX/XX/XXXX I Financed a car thru XXXX XXXX XXXX, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation.  They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.
Consumer complaint received 2023-01-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

I went to the property appraiser office and got the XXXX exemption for being a XXXX XXXX XXXX veteran, I sent the mortgage company the paperwork but they replied saying that that was only an estimate, I went back to the appraiser office and they told me that their answer was ridiculous because thats the only document they give everybody and if they have any question they could call them, then I proceed to call my bank and they just keep transferring my call. They also increase my payment due to the escrow.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2021-05-03
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. (FL)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2018-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A fraudulent Bank of America credit card was opened in my name on XX/XX/2021. I have contacted Bank of America to alert them of this account and to have it closed and removed from my credit report.
Consumer complaint received 2018-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NJ)

In review of myXXXX Credit Report there is a listing that Diversified Consultants inquired into my credit for the purpose of Collections.There is no associated debt nor are there any remarks indicating who the client/account that is in collection status. Listing on the report as follows : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Permissible Purpose : COLLECTION I contacted them twice on XX/XX/XXXX. After providing my SSN and explaining that I wanted to know why they were making an inquire on my account for collection, the first representative explained that they don't have a record of me and hung up. The second representative stated that Diversified Consultants provide 'personal services ' and then hung up.

In both cases, neither representative could identify why the inquiry for collections was made. I am submitting this complaint to prevent further action from Diversified Consultants until I know why they are making these inquires.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IL)

I was notified on XX/XX/2021 by a credit monitoring service that a collection was placed on my credit report. The debt collector is Sequium Asset Management. I called them and was in structed to pay an outstanding balance to XXXX XXXX in the amount of {$1900.00}. The debt was from a residence in XXXX XXXX XXXX Florida. I have never been to or resided in Florida and have never purchased XXXX XXXX in my lifetime. I was never notified by Sequium Asset Management or XXXX about any debt in my name. The only way I found out was because they placed a collection on my credit reports. I have filed an identity theft with the FTC, Report number XXXX on XXXX XX/XX/2021. I recommend that Sequium Asset Management be closed and employees imprisoned for committing fraud by not contacting me or verifying that the account was indeed my debt prior to reporting my account to the credit bureaus.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX have been made aware of CFR violations committed by Bank of America in XXXX XXXX California. I notified the Financial advisor to the the bank about billing errors that were brought to my attention. He has made no effort to resolve my concerns.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service (TX)

I am corresponding about my XXXX XXXX XXXX, which is a credit account/card administered by the Army and Air Force Exchange Service ( AAFES ). I admittedly fell behind on my bill back in XXXX as I could not find work after retiring from the military after 21 years of service. AAFES began to garnish my military retiree annuity to pay the bill in XXXX. Garnishments were taken in XXXX and XXXX then they stopped. In XX/XX/XXXX, I received a letter from AAFES advising me that the garnishment would start, and specifically states " the amount of the indebtedness is {$11000.00}. I began corresponding with AAFES in XXXX about the debt as I had repaid what I owed, however my annuity was still being garnished. In addition to that, AAFES had garnished my income tax refunds. AAFES directed me to contact " XXXX '' their debt collection agency. I have never been informed in writing that AAFES has secured their services to collect the debt. Additionally, I am unsure of what role XXXX is playing as AAFES has the order in to garnish my retiree pay and AAFES has been garnishing my income tax returns, not XXXX. I sent an inquiry to XXXX and it took two separate requests ( longer than 30 days ) to get a response. In XX/XX/XXXX, I sent a letter to XXXX, courtesy copying AAFES about the balance on the debt. To date, XXXX nor AAFES has responded. In the letter which I will attach, I provided a letter from the XXXX XXXX and XXXX XXXX ( XXXX ) my pay agent, as well as copies of my retiree annuity statements showing the deductions. I demonstrated how the debt had already been repaid, in fact overpaid. I asked for the garnishments to stop, a refund for the overpayments, and asked for proof of XXXX authority to collect this debt since they are not a Texas business. XXXX nor AAFES has responded to this letter as required within 30 business days. Request assistance, prior to my contacting the FTC with AAFES reviewing the letter that was forwarded to them in XX/XX/XXXX, stopping the garnishment, stopping any future holds on my income tax return and refunding the overpaid amount.
Consumer complaint received 2018-02-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have made an agreement to pay my loans after a 45 minute phone on XX/XX/2018 ( my birthday no less ) via automatic debit. The first of these debits was to have taken place per the authorization I agreed over the phone and per the document dated XX/XX/2018 mailed to my residence. It is now XX/XX/2018 and not automatic debit has not been taken and I am receiving emails the payment plan I did not qualify for. The company can not be reached by phone and by logging on to the website nothing is reflecting the agreed to payment plan. By all indications this reprehensible company is backing out of agreement that had to go to a manager whom gave no indication could not go through. This company needs a serious review of whether they should be operating.
Consumer complaint received 2018-01-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

Borrowed {$6000.00} personal loan for major purchase. Company deducted XXXX in two weeks. For the purpose of paying loan off early to avoid 35+ interest, I made a payment of {$1000.00} towards my balance on Friday and received confirmation that the payment would be deducted from my account on the following Monday ( XXXX ) Saturday I attempted to pay an additional {$500.00} only to discover that the {$1000.00} was not listed but an amount of {$440.00}. I added the {$500.00} in addition {$550.00} to bring amount to {$1500.00}. I checked the account again on Sunday XXXX, XXXX and the amount was changed and I adjusted it again to say {$1500.00} is scheduled for payment on XXXX. To my horror on Monday, the company deducted 3 separate payments out of my account paying themselves {$130.00} in interests when my payment is due XXXX XXXX, XXXX via which I planned to pay as scheduled. The company deducted a total of 2 monthly payments of {$220.00} and then added the remainder of the funds {$1000.00} to my principle amount. To add further insult, they have me scheduled for the next payment next month on XXXX XXXX, XXXX. I spoke with representative who states that the system " generates '' payment activity. The agent actually tried to justify this scenario.and stated that this would occur when I submitted the next monetary large amount that it would be reflect the XXXX payment in the same way!
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Hello, On XX/XX/XXXX I sent XXXX BTC ( A little over {$2000.00} value at the time/ $ XXXX+ today ) from my XXXX wallet to my Coinbase account. I noticed the transaction had gotten many confirmations so after a few hours I noticed that this money did n't show up in my Coinbase account so I got a little paranoid. 

I then emailed Coinbase on XX/XX/XXXX and they sent me back a scripted email back with some links to try and follow to track down my money. I told them that the links did n't satisfy what I was trying to accomplish and I never got an email back from them. 

Since these links did n't help me very much I continued to email then on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX without anymore information from them except for the same scripted email in reply to my XX/XX/XXXX message to them. 

I then reached out on XX/XX/XXXX to XXXX on XXXX and he never answered me. I provided him with all of the information that would be needed but unfortunately I never got a single reply. 

I have yet to see any information on whether the money is going to be sent to my Coinbase account or if I will be refunded the money in some way but this is inexcusable. Thank you very much for listening to me and I hope you have a nice day.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (ME)

I have been working with XXXX since XXXX when I was in a deadly fire. I spent a great deal of time trying to get them to take the car back because I was not working and my husband was XXXX and I had been badly burned and injured. They had agreed to take the car back with no penalties. possibly just a small fee and if it needed detailing, which I had done for them. Somehow all of that information was lost during some switching of loan servicers and I received a letter saying I owed around XXXX. There was suddenly no record of the many conversations with supervisors. The bill has continued to grow and now that I am getting a new mortgage It is damaging my credit report. I loan advisor had asked me to call the collection agency that was the agency for XXXX, XXXX. I called them and discussed a payoff. I told them at one point XXXX said I owed them XXXX so I would pay that amount but I wanted to make sure they would communicate timely with XXXX and show the payoff agreement and cash my check I gave over the phone. I have a recorded conversation saying it would be done right away and on my credit report it would show paid as agreed OR settled in full. The chek took a month to clear. XXXX is not reporting this correctly. One agency it says I owe XXXX. Another says I owe XXXX and I paid XXXX. Another says Charge off XXXX. I have disputed this almost daily with letters of proof of payment and a letter from XXXX showing settled. I have called XXXX and they said it will never say paid in full or XXXX balance and they are not correcting it. I call XXXX almost daily and spend an hour or two while I wait on hold for a supervisor and they come back and ask me to call back another time. I have yet to speak with a supervisor. I have called XXXX and they say its not up t them to fix the credit bureau and its up to XXXX what they want to show on the credit report. This is after a 9 minute recorded conversation. This was very deceptive practice to collect for XXXX and for both of them to tell me it would report settled or paid as agreed with no balance and then not back it up after they received my money.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (FL)

Last year I went to the bank with my husband and the Bank manager suggested applying for a line of credit to protect for overdrafts. It was BBVA in XXXX Florida. 
Instead, the manager set up a XXXX fee for each overdrafting, as this was set up the bank took over XXXX from my account in XXXX, and my effort to cover my account and have money to pay my debts went down the drain, with fewer resources I was charged over and over and by today XX/XX/2021 the bank has taken almost XXXX leaving me short to pay my bills. It is so ridiculous that they charge me XXXX to pay XXXX. 
These drafts wont last under balance for more than a day or two, but because I'm XXXX short, it aggravated the issue. 
I made innumerous calls, I wrote complaints and nothing is solved. 
I lose time, I lost money and I need a solution and the bank is taking my time on holds over one hour at each time.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

XXXX XXXX calls me 10+ times a day every 20 minutes all day long, sometimes theyll hang up and call right back, I am only 2 weeks late on my payment because I lost my job, I tried to explain this to them but they tell me it is not their issue and they dont have to stop calling me even though I have promised to catch up before the next payment is due, it is highly stressful because I cant even receive regular phone calls with them calling at all hours of the day. If I have explained my situation and promised to handle the outstanding balance before 30 days then they need to STOP. See attached photos for proof of the excessive calling, I cant even fit all of them in 1-2 screenshots, its XXXX
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I contacted all three credit bureaus and informed each site that I do not own this debt. I completed three separate investigations. 

XXXX, XXXX and XXXX- XX/XX/2019, XX/XX/2019, and XX/XX/2019 I notified Capital One that I do not owe this debt.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fir Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is not mine and it came back verified. 

15 U.S c 1681 Section 602 A states I have right to privacy 15 U.S c 1681 Section 604 A section 2 It also says a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Im in the process of purchasing my home. My XXXX credit doesnt populate with my social security number for Experian. When I called on XX/XX/XXXX I was told it would be fixed in 3-5 days. Ct : supervisor XXXX - XXXX ticket : XXXX. I called again XX/XX/XXXX ct : XXXX was assured support ticket had been closed. All issues resolved. Attempted again XX/XX/XXXX to pull XXXX and again XXXX for my social. Called Experian again. First contact found the issue. Transferred me to customer service where the rep has instructed to upload : DL SS and proof of mailing address - all uploaded. And another wait for 3-5 days. Im about to lose my {$20000.00} escrow deposit and I still have no guarantee that my credit report issue will be resolved. When I requested a supervisor- I was left on hold for an 1 hour and 16 minutes because she didnt want to put a supervisor on the line. 
This is extremely frustrating because there is no one to complain to. No one wants to get the problem solved and XXXX cant close on my house without it. 
So who protects the little person????? 
Experian is where customer service goes to die. This is insanity and exasperating