davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have received a response from XXXX on their full investigation and they corrected all inaccurate information and removed all personal information. However, I have a few questions : How do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, just to underline a few laws under FCRA you violated : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of account below has violated me federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Please remove all inaccurate personal information and inaccurate accounts, everything that is highlighted is either inaccurate information or violating my FCRA rights. I will attach copies of XXXX response and my last credit report to prove the information for Transunion and XXXX has not changed and they are continuing to violate my rights as a consumer.
Consumer complaint received 2018-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Earlier today on my account i noticed a {$19.00} from a company i do not know of and just now received an email about a company i also dont know of checking out my credit score. Im getting aggravated because i dont know if someone has my information. This stress is unneeded for i am XXXX  and far along enough to cause an XXXX XXXX.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NJ)

I am having an issue setting up Auto-Debit for my new Nelnet account . Everytime I enter my name and bank account information, and click " submit '', I get an error message saying " something went wrong, please try again ''. I've tried numerous times to submit my Auto-Debit banking info to Nelnet, including trying different browsers, different computers and even from my XXXX, but nothing works. I called NelNet, and they said there is nothing wrong with my account, and it should be working. I sent them a paper Auto-Debit enrollment form via email, and it hasnt been processed. I am now receiving emails from NelNet advising me that I have not signed up for auto-debit, even though I emailed them a paper form. Can someone please look into this? I want to sign up for auto-debit but their system is not letting me.
Consumer complaint received 2020-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

WAKEFIELD AND ASSOCIATES Last reported XX/XX/XXXX {$210.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name. 

The above company is trying to collect on a medical bill that I was never billed for. I submitted the insurance card at time of visit and the intake officer did not submit my insurance for payment of visit. I have had insurance coverage since XXXX. I have contacted the company several times and they have not removed the item.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My issue is with Bank of America with whom I have had my checking/savings accounts over the past 10 years. What has prompted my complaint is that I recently started using a bank of america preferred cash rewards credit card ( for supposed premium customers ) along with other cards such as  XXXX  or   XXXX   XXXX  . In addition to these credit cards I have several others with other major bank credit cards. In every major institution with the exception of BOA, the ability to set up recurring payments for the full balance amount is extremely easy to do online. With the BOA credit card accounts they have deliberately set up their online payment system to allow recurring payments but only through a fixed amount as opposed to allowing multiple options of : a ) a fixed amount. b  ) minimum payment. c )  statement balance. d ) total balance. All other bank credit cards I have afford all those options.  <P/> In order to get around this, consumers have to submit a written form for payments or call a third party firm to do what every other major bank allows online. For Bank of America to set up a payment structure in this manner is clearly intended to take advantage of consumers. By hindering consumer ability to pay off their credit cards they are clearly trying to exploit customers to pay insufficient minimum payment fees or interest fees because NO  ONE  has a fixed credit card fee every month. As such WHY would they have a reoccurring payment option with the only option of a fixed fee unless it 's to exploit their customers? I refuse to believe this is just because of stupidity.
Consumer complaint received 2020-07-10
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. (GA)

I pulled my credit report a few months ago and realized that there was an account on my credit report that I know was opened fraudulently. According to XXXX, Experian, and XXXX, the XXXX cell phone account was opened XX/XX/XXXX. I also noticed that there was an address on my credit report listed in a different state. I've tried disputing this account multiple times but the credit bureau keeps updating it as accurate based from the information being received from XXXX. This is causing further damage to my credit report. XXXX has not done anything to reach out to me personally to investigate this matter instead they keep damaging my credit.As I look at the account on my credit report, it should have been apparent to XXXX that this was opened fraudulently. The amount showing is {$200.00} owed. For proof that I did not open this account, I am willing to provide a copy of my Georgia driver 's license which reflects the address of the home that I bought in XXXX. I've had the same address since XX/XX/XXXX ( check public records to verify the date of my home purchase ). I have no reason to get a wireless account with XXXX when my wife and I have been with XXXX XXXX  since XXXX with no intention of changing ( I can provide bills dating back to XXXX if needed ). I'm willing to provide whatever proof is necessary to resolve this. I just expect this account to be removed form all 3 bureaus immediately.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I mailed to have this fraud alert removed off of my credit report and it is still not removed Remove the fraud alert on my credit report. I have attached my license for identity Remove this statement asap " XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT XXXX XXXX XXXX XXXX  XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. ''
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I received a message and a call from American Express and was advised that me account was past due even though I set up automatic payments. I was advised that the late fee would be removed however it would come off of my balance and not the minimum due. Customer service was horrible and the fact that this company was not willing to assist in changing the minimum fee is not acceptable. I should not have been charged a late fee at all.
Consumer complaint received 2021-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  recovery is stating on my credit report with transunion that I have an account opened with them on XX/XX/2021. It is a hospital bill. I have not been to ANY hospital for any reason in the last 2 and a half years, I have tried disputing with transunion for the SOLE purpose of getting this illegal re-aging fixed to the correct date of delenquency and they refuse to correct it. 

From my understanding reporting newer dates than are accurate are illegal and allows them to latch onto my credit report for longer which is the tactic they are using. I would like and investigation into both XXXX recovery for re-aging practices and Transunion for not correcting them. There is absolutely no way they can provide documents with my signature or e signature dated with the dates that they give, unless they are also committing forgery.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (FL)

I can not adequately express how disappointed I am in  Ally Bank and my first and only encounter with their establishment. I signed up for an online savings account. Confirmed the trial transactions to make the transfers - specifically designated that the funds were to come from my Money Market account. Then I find that the transfers did not go through, that my newly acquired Ally account was permanently suspended (   XXXX / XXXX /   17 ), t hat they had tried to transfer out of the wrong account and had then charged that account a total of {$66.00} for  XXXX  transactions supposedly for insufficient funds. If they had taken the transfer from the correct account, as designated, they would have found that there was more than enough to cover the transfer. I am out {$66.00} with apparently no recourse.
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (AL)

XXXX-17 Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of social security check XX/XX/XXXX. I was told by XXXX XXXX XXXX and army & air force exchange service said they will offer a buy out in XX/XX/XXXX. I 've heard from them.
Consumer complaint received 2021-09-03
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: Nationwide Recovery Systems, Ltd (NC)

Nationwide recovery is stating on my credit report with XXXX  that I have an account opened with them on XX/XX/2021. It is a hospital bill. I have not been to ANY hospital for any reason in the last 2 and a half years, I have tried disputing with XXXX  for the SOLE purpose of getting this illegal re-aging fixed to the correct date of delenquency and they refuse to correct it. 

From my understanding reporting newer dates than are accurate are illegal and allows them to latch onto my credit report for longer which is the tactic they are using. I would like and investigation into both Nationwide recovery for re-aging practices and XXXX  for not correcting them. There is absolutely no way they can provide documents with my signature or e signature dated with the dates that they give, unless they are also committing forgery.
Consumer complaint received 2021-01-23
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. (IL)

I have submitted several complaint to XXXX XXXX sent me a response that they deleted this change off on XX/XX/20. it still has not been removed from my credit file. As well as XXXX & Equifax are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I have an  XXXX   XXXX  account with USAA and I 've been constantly been charged with interest on purchases fees in the amount of {$57.00} and also hit with a interest charge for cash advances in the amount of {$46.00} on a monthly basis. I 'm hit with the interest on purchase fee if I pull out  a cash advance and I believe the cash advance  fee to way to high. I 'm also hit with these same charges even if I dont ' use the card at all. I 'm being told that I also incur these charges if I carry a balance over to the next month. I 've been making payments on this account for years and these charges whether I use the card or not is keeping me in a constant loop of debt. I 've tried to talk to  XXXX   XXXX  at USAA about these constant charges to no avail. I need this agency to step in and mediate an fair rate of interest. It 's like a mob shake down where I will never be able to pay this account off. I 've attached a copy of my account statement.
Consumer complaint received 2017-06-17
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. (GA)

I have attempted to contact the credit bureaus on    XXXX   XXXX    requesting proper documentation for the things that have been reported. I did not receive a response, on    XXXX   XXXX   I c alled all three bureaus they stated they would provide proper documentation within 30 days and I have received nothing.  <P/>  XXXX   - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hammerman & Hultgren, P.C. (AZ)

Hammerman & Hultgren had a hard hit on my credit report when in fact this account is a corporate account. I was simply signing a contract on behalf of my job duty as XXXX XXXX. I have absolutely no personal obligation for this debt and this attorney never had the right to obtain my ss # for this matter, period, and to run my credit without my permission! This attorney and the collections done on my personal credit report have impacted my ability to obtain new financing. I believe this is their way of trying to get me to pay and a threat that if I dont pay that it will remain on my credit report!
Consumer complaint received 2018-03-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (CO)

I have had this acxount with XXXX XXXX for a while. I went to financial difficulties and became homeless.in XX/XX/XXXX i contacted the bank to help me with XXXX XXXX, XXXX, zales/XXXX and XXXX. I was told that i qualified for the hardship program. The young lady even went to the extent of pre programming my payments for all 4 acxounts to ensure i was complying with the rukes and to also, ensure my decotiin to fixing my credit and in becoming an active meber with XXXX   XXXX. My XXXX account was sold off to XXXX and it was NOT enrolled in the hardahip program as it was suppposed to. I asked for documentation in XX/XX/XXXX, when the rep XXXX i spoke to, told me it was a miatake on the banks end. It showed i did everything right, and the mistake was that none of my accounts were added to the hardship program. The form was not dilled out by the rep back in XX/XX/XXXX. He stated he was emailing his supervisor amd was also including that i wanted a call back. My XXXX/zales account was charhed off during the time it also, should of been protected by the hardship program, which this acxount was also missed ... The only two accounts that i finished and successfully paid everything are current and upto date. XXXXXXXX amd zales were both charhed off, when they werent suppose to..and also, i have spent all of XXXX trying to rectify and speak to a manager or supervisor about the error and no one cares to fix it. I am beung to told to call the third party company trying to collect on a debt they should of. Never had and on debts that i tried saving. The error also falls on the bank becuse tbey refuse to give me the paperwork or prood my accounts were under the hardship program. XXXX  XXXX was willing to help me and now, the acxount got so out of hand that it also charged off. Please help me. I am being hung up on, ignored and my credit is getting worse. I called in XX/XX/XXXX and that day alone i spoke to XXXX in hardship, XXXX in assist department, XXXX, XXXX, XXXX and XXXX all hung up on me..me trying to get ahold of a hardship supervisor.. 

My address is XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

I had a Venmo account under my infomarion that I made awhile ago and my boyfriends dad wanted to send us money for his little brothers graduation gift so my boyfriend told me to change the name on the account to his so his dad knew it was going to him. He sent {$1100.00} on XX/XX/2024 and when I tired transferring the money into my bank account I got an error saying my account was frozen. I later reached out to Venmo asking why it was deactivated and they said I violated guidelines. Ive been trying to get a hold of someone who can tell me when Im able to get the money back, if they can refund the money, and anything I need to do on my end and they keep avoiding my questions and send me the same automated message over and over again. When I call its robot and I cant get ahold of an actual employee. Im just trying to figure out when and how I can either get my money back or if they can refund it. It also said in the message they send that should the funds become available for transfer but they dont specify under what conditions they wouldnt be eligible for transfer and nobody has answered the question either.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I sent notice to Experian in regards to wanting to move forward with arbitration. Due to the negligence and mishandling of the investigations that were completed. Several inaccuracies are reporting in my Consumer Report which need to be deleted. Furthermore since the time given has elapsed and my request for arbitration has been ignored. I want to proceed in a criminal & civil investigation.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

On XX/XX/XXXX XXXX XXXX which represented American Honda Financial services, agreed that if I paid {$830.00} that it will update my credit report account status from " Derogatory '' to " Paid '' for acct # XXXX. The name of the rep was XXXX XXXX XXXX and spoke around XXXX for 15 minutes on a recorded conversation and have made the payment on that day. Today, I have recently reviewed my credit report and American Honda Financial s still reporting inaccurate information with reports of " Charged-Off '' - XX/XX/XXXX. XXXX  XXXX is still reporting account status " Derogatory '' instead of " Paid. '' After all attempts to communicate and file other reports they have repeatedly ignored my request to correct reporting information. This inaccurate reporting has put my credit in subprime category. I have settled this account as " Paid as agreed '' on my end and American Honda Financial has failed to honor their part. I feel I have wasted alot time through hours of phone conversations, mislead, and taken advantage of. I am seeking legal guidance on what is best action of approach. Thank you
Consumer complaint received 2018-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMO Bank, N.A. (TX)

BMO Harris repossessed 6 vehicles. One of them was not even financed by them. I owe month of XX/XX/XXXX and I told them we would pay them in full to be current. They will not hear nothing of it. I estimate I have paid out XXXX if the XXXX XXXX dollar price tag and just like that I loose all I have worked for. This is over a two and a half year period. Dealing with these guys is a rip off. I strongly urge consumers to stay away from BMO Harris for financing needs. I told them I was not going to lose my investment and i would send funds to get us current and then they said they were adding 7000 plus for fees related to repossession. Buyer beware!