davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC. (TN)

I was contacted by Douglas, Knight & Associates, Inc. about some money that I need to pay or set up a payment plan and if I do n't my TN driving license will be took from me. So I called but the lady who called me was busy when I returned the call back. No one returned my call so I called back the following morning. And i talked to the lady and told her I could set up a 10 $ payment plan and she told me it was n't enough. She got unprofessional and hung up the phone, so I called back to talk to the supervisor and Mrs.Lesey, the supervisor, also had an unprofessional attitude and continues to tell me that was not enough and what I need to pay. I proceeded to tell them that I 'm unemployed and on gov assistance and that was all i could afford that moment.
Consumer complaint received 2016-06-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (MO)

U.S. Bank - I was speaking with a bank representative named XXXX that suggested I transfer funds from XXXX bank card to another at a lower interest rate. I did and asked that my payments be due on the first of the month. After everything was transferred over from XXXX cards, I received my first statement and it stated 11 % which was higher than the 5 % he quoted me, also, there were transfer fees. To top it all off, any account I have has a grace period of at least 5 days. If my account was n't paid on the XXXX of the month exactly ( which was never explained to me ) I finally discovered I 'd been charged late fees. I 've always paid my bills between the XXXX of the XXXX of the month. Upon discovery, I was smoothed talked again and then found out my interest rate had gone up to 28 %.
Consumer complaint received 2017-03-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I do n't believe this ... ... I am right in the middle of financing and the lender had to pull my credit one last time before I fund ... .. all of a sudden I have literally have 9 collection account appear on my credit from Rash Curtis & Associates XXXX I do n't know who they are or what this is about but I have never received 9 different collection notices from them. I HAVE NEVER EVEN RECEIVED ONE!! 

I am going to file a complaint with the FTC and the Attorney Generals office
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Other — 
Company: BBVA FINANCIAL CORPORATION (CA)

I would like to file a complaint against BBVA Compass Bank for taking an application that was never going to be approved based on a policy that they do n't disclose when taking applications for credit cards. I applied for a credit card when I already had 1 and the limit is only 1 but I did n't find out at the time the application was taken and was not told they only allow their customers to have 1 card. The person taking my application did not inform me and knew at the time I had one but proceeded to process it knowing I was not going to be approved. I fee that I should have been informed of the policy at the time of the application so that I would not have wasted my time or a pull on my credit. I think that is deceptive.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need to file this complain due a negative court case still showing in my TransUnion Credit Report Case XXXX this case was file in court and collected from a collection agency XXXX, from a fradulent account, after the investigation was finalized, and was reported the unauthorized opening of the account XXXX acct # XXXX and found XXXX and XXXX has removed it, but TransUnion still showing in XXXX section this account as mine, I need to have those account removed immediatly / XXXX reports XXXX as collection/charge off {$3700.00} from XXXX XXXX, and same acct as reference XXXX circuit court {$1700.00}, it is same acct XXXX # XXXX case. the letters with the proof of investigation was given to both parties, but transunion is in violation of my credit report rights. XXXX XXXX # XXXX s.s.
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX, I sent a certified letter to Transunion disputing inaccurate reporting of three accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. 

Thank you
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc. (IL)

I received another letter from Nationwide Credit Collections , Inc. In regards to a debt owe to XXXX XXXX. I requested for them to let me verify this debt. However, as you can see on my previous complaint ID from XXXX submitted on XX/XX/2020 Consumer Financial Protection Bureau. I requested for them to send me all inquiries about this debt.

I need for them to provide me with what I am asking. I don't recall owing anything to them.
Consumer complaint received 2016-10-08
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: MB FINANCIAL, INC. (IL)

Family account was established XX/XX/XXXX for those family members who were not able to pay full prices for all future family reunions. So XX/XX/XXXX after the markets fell, and we could not go on family reunion trips regularly, I ask the bank what amount was need to keep account open. Myself being the treasurer of the family club fund left {$290.00} the amount I was told in the MB Financial Bank in XXXX XXXX IL. In between that time my sister XXXX XXXX whom was the name on the account had moved, there was no mail forwarded to new address from old address so, long story short they deducted all funds over the course of the five years. Now present day we went to go close out the account was told we ca n't get any of our money back.
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. (PA)

I have several hard inquiries on my credit that need to be deleted. These hard inquiries were not authorized by me. I reached out to the individual credits and they suggested I reach out to the credit bureaus. After doing so, no hard inquiries have been deleted.
Consumer complaint received 2022-01-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being XXXX from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was XXXX in XX/XX/2020.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (UT)

quifax, XXXX, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.
Consumer complaint received 2015-08-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I have been trying to get this information deleted from my credit report I have made multiple attempts to contact the creditor and have n't got any response. I sent a letter requesting information per the Fair Debt Collection and practices Act and have never gotten a response. When i call the number listed on my credit report an answering system asks for my SS number then hangs up on me. The information on my credit report has n't been updated since 2009 and the credit agencies refuse to delete. Please contact me by phone or E mail for more Info ... .. The Company I 'm trying to delete is SANTANDER XXXX XXXX, XXXX ( XXXX ) XXXXDirect Dispute
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have XXXX accounts with Bank of America. In order to prevent overdrafts in XX/XX/XXXX I opted out of payments of overdraft created by debit card charges and automatic payments and requested that if there were not sufficient funds the items were to be denied. The bank changed the setting in the account and when items without sufficient funds came in these were declined, however, the bank continued to charge {$35.00} per item since it indicated that declined items are subject to fees anyway. In addition, the bank would not indicate in the activity online what item was declined. Since the solution was worst that the problem I went back to opting in for overdrafts. Also, I was not notified of my right to opt in or out for payment of overdraft. That was the bank strategy to get me to opt in again. I believe that the bank actions might be in violation of applicable regulations and were established as a device to charge excessive overdrafts fees. As such the bank is incurring in unfair and deceptive practices. For this reason I request that the bank refunds all overdrafts fees charged to my accounts in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I pulled my credit back towards the end of XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to TranUnion and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2017-07-02
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. (OH)

On or around  XXXX / XXXX /   17  I was reviewing my credit report and I discovered several  HIPPA ACT violations breach of third party  confidentiality. I have never done business with these companies listed. I have never signed a contract or entered into any verbal or written contracts with the following comp anies 1.   XXXX   XXXX   XXXX    XXXX     XXXX   HIPPA Act v iolated please delete.   2.  XXXX   XXXX   XXXX    XXXX  This account has never been validated please delete.   3. XXXX   XXXX    XXXX    XXXX   HIPPA Act violation please  delete.   4.  XXXX   XXXX   XXXX    XXXX   5.  XXXX   XXXX   XXXX  #  XXXX   HIPPA ACT  violation please delete.
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I have been working on my credit report for the past two years, I came close to completing the task in XXXX of XXXX. I state that I came close because shortly after that XXXX XXXX XXXX decided to insert a collection account into my credit report. I did n't receive any documents regarding the debt beforehand and was caught completely off-guard. I called the company and was told that I owed a debt to XXXX XXXX XXXX XXXX. In an effort to check into the matter, I visited the hospital and requested any information pertaining to the alleged debt. There was no debt to be found, the original debt was incurred in XXXX and had already been paid by my insurance provider. At one point in the multitude of times that I have tried to plead my case with XXXX XXXX XXXX XXXX the account was removed from all of my credit reports. Months later, they decided to re-insert the collections account onto all but XXXX of my credit reports. It appears that this company plays by their own rules and figured that I would n't notice what had transpired ... as if they could simply attach that same account to my report again in hopes that I would pay without questioning their allegations. I have never retained services from these people, I have no contract with these people, and do not have in my possession any documents showing that XXXX XXXX XXXX XXXX XXXX XXXX XXXX have rendered any services to me that require payment. Prior to filing my dispute, neither my husband or I received any information regarding this account that would have allowed us to satisfy the alleged debt before reaching the point of reporting. I feel that my rights have been violated and plan to fight this injustice until it is resolved.
Consumer complaint received 2021-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have sent certified letters to the bureau asking them to please send verification of debt that is placed on my report. To date the item still remains with no verifiable proof. Here is the item : ONLINE INFORMATION SERVICE # XXXX. Also US Dept Of Education # XXXX.
Consumer complaint received 2022-09-06
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: AMERICAN EXPRESS COMPANY (NC)

When I upgraded my credit card on XXXX, I was told that till XX/XX/XXXX the annul fee of {$95.00} will start to kick in. So I downgraded this card in XX/XX/XXXX. 

Yet, American Express not only charged me {$95.00} but also charged me a fee of {$53.00} on XXXX, XXXX. When I was trying to solve the problem with {$95.00} fee charged supposedly on my new non-annual-fee card, I found this hidden charge. 

I talked to their online representative and learned that because the free one-year period was over, so they started to charge. I said I didn't receive any reminder of that, not in your promotional materials, not in the email before you were going to charge me on XXXX, XXXX. This is fraudulent and misleading promotion. Hope more American Express users pay attention to issue.
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Hello. I am the vicitim of online debit card fraud. On XXXX-2022, I noticed XXXX unrecognized charges on my checking account from " XXXX '' ( {$0.00} ), " XXXX XXXX XXXX '' ( {$200.00} ), and " XXXX XXXX XXXX XXXX XXXX CA '' ( {$230.00} ). I immediately reported the fraudulent charges to Chase Bank. Chase closed my debit card and sent me a new one. The XXXX charge disappeared, and I was refunded for the XXXX charge. However, my claim for the XXXX charge was rejected by Chase on XXXX-2022. I contacted Chase to dispute the rejection of the XXXX claim, and I was told that I need proof that I did not make the purchase. I was also told that the claim was rejected because the billing address used for the purchase matched the address Chase has on file for me. I did not make any of those purchases, and I have never conducted business with those companies. I reported the crime of the fraudulent bank debits to the Federal Trade Commission ( FTC ) on XXXX-2022. My FTC Report Number : XXXX.
Consumer complaint received 2024-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I have two problems in the same scenario. 
XXXX. ) I have had many HELOCs with PenFed Credit Union over the years, always to merely have one open for emergency situations. I've never paid an annual fee, although they stated it was listed in my closing documents. On my XXXX statement, I saw a {$99.00} fee. I called to inquire about it ; the first person I spoke to couldn't answer. Then I received a call back from a manager ; he didn't have a complete answer as to why I've never been charged a fee, so he had to research it. He thought it might have been to PenFed suspending fee collections while COVID was present, so I asked if any notice was sent and when because I hadn't heard about that. He researched it, called me back and confirmed it had been suspended due to COVID and they didn't send a notice because it " benefited the members ''. I stated it felt like PenFed is arbitrarily choosing when and what to enforce in the contract since I had not been notified of these changes, nor agreed to them. I posed the idea, " what would happen if I chose not to make a payment XXXX month because I'm choosing to spend my money elsewhere? ". A contract is not much of a contract if either party is allowed to change/alter/suspend/terminate, etc all or parts of the terms/conditions without informing and receiving consent from the other party. 

2. ) I understand the fee is in the loan documentation, but I do not agree to allowing PenFed to arbitrarily suspend or enforce when they see fit. When I attempted to pay the fee through PenFed 's online banking portal, I can see my available line of credit is reduced, yet no balance is reflected online ; however, the XXXX statement did reflect the balance. I inquired about this with the manager and asked how I'm supposed to make a payment. I was informed that if there is no principal or interest due on a HELOC that a call is required by the consumer to call into PenFed to have a payment manually processed or a check must be written and mailed in with the statement/payment coupon. None of this process is outlined anywhere.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name XXXX DEPTEDXXXX  Account # : XXXX
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I took out a credit card and was declined for it. I never used it. 
XXXX  months later I started getting a new membership fee that they will not waive. 
I never even received the credit card from them and never activated it. 
They keep harrasing me for the fee. HELP
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OH)

My employer XXXX offers a 401k as part of benefits which is maintained by Wells Fargo. I get paid ( electronically, of course ) Friday of every week. Every week my 401k contributions are deducted and sent to Wells Fargo. For some reason, it takes until the following Thursday before my funds appear and post to my 401k account. Every dollar I contribute to my 401k is being held from my possession by Wells Fargo for 6 days. Are they using it to float short-term loans and keeping the profits for themselves? This practice is unacceptable and unethical.
Consumer complaint received 2015-05-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went to bank of America on XXXX/XXXX/2015, and deposit {$1000.00} in coins into my checking accountI fill out an deposit slipThe bank teller took my deposit slip, attach it to the coins and give me an ACKNOWLEDGEMENT of RECEIPT of COINS, he told me that the bank would cont the coins and credit my account in a few days. 
A few days after I check my account, I was only credited for {$190.00}. 
I went to the same branch to get some answers, and found out that the bank teller, wrote down {$190.00} on the paper work that he turn in instead of {$1000.00} and there is problemI have made XXXX trips to the branch, I call at least XXXX times.
Consumer complaint received 2015-09-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I asked Bank of America if they would take the private mortgage insurance off my loan. I met all the criteria, no late payments in five years, more than 20 % equity. Bank of America denied me because I had refinanced within those five years. Heres the thing, I refinanced with Bank of America. Further more, it was with the same mortgage loan officer, I got the original loan with, XXXX XXXX, phone number ( XXXX ). They said my five years would be from my new refinance date in 2012. I was never informed that I would have to start all over again. All I want is the PMI taken off my loan. I bought my home for {$270000.00}, and it is worth at least {$450000.00}, thats at least 60 % equity. I am a XXXX vet and we should not be treated like this. Thank you.
Consumer complaint received 2016-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (PA)

This company calls me at least 4 times per day. They call me when I 'm working. They never leave a voicemail advising me who they are. They often call me from different phone numbers each day. They have called me from XXXX, XXXX, ect. They are calling my cell phone.