davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (OH)

My recent complaint was closed because the CFPB stated that my complaint was a duplicate, this is not a duplicate. This is a different/new transaction from what's being reported! 

I submitted a dispute with PNC bank because there was an unauthorized transaction on my account for {$100.00}. I received a letter in the mail stating that the investigation has been completed and the transaction was valid. PNC Bank has not provided me with any documentation that proves that this transaction was in-fact authorized by me. Pursuant to 15 USC 1693g ( a ) it is the purden of proof for the financial institution to provide proof that a unauthorized transaction was authorized by the consumer by signature, photograph, or fingerprint or by electronic or mechanical confirmation. PNC has not provided me with any of the requirements under this subsection. Please help assist in resolving this matter and having my funds returned back to me as soon as possible. Thank you.
Consumer complaint received 2019-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

Dear sir or madam, This is regarding my PayPal account created in my name : Registered email address : XXXX My account was permanently limited, stating that my account is in violation of PayPal 's  own Terms of Service. I tried to explain it to them, but they will not listen and will hold my money for 180 day. 

At this time I have over {$600.00} in the accounts and I want my money NOW, not in 180 days. This is my money and I should get it immediately. To me {$600.00} is a lot of money and quite a hardship that they are keeping it. 

I already filed a complaint with the XXXX  and Paypal took an month to respond to me. And their response was not satisfactory. All I received is a vague explanation about why they suspended my account, but they didn't address the main issue. I want my money NOW not in 6 months - This is my money and I should get it immediately. 

Please help me. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

fia told me they would write off my balances but continue to send me a bill they treated me like garbage closing my accopunts which should not even be legal and i hope is not before i die one day. i do not understand why i am getting bills from them still when all was told to me would be written off. please explain i truly want nothing to do with them there has been no follow through. i keep getting statements and no answers tired of waiting and getting fees which i will not pay
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

he company did not validate the debt according to FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337 15 U.S.C 1681s-2. Keep saying debt has been validated by supplier however the suppliers denies that they are validating.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Enterprise Systems, Inc. (PA)

I set up a payment plan with them a year ago. They took the initial {$750.00} and put it toward interest instead of toward the principal. I now pay them {$150.00} per month and all of a sudden I got hit with a {$140.00} fee in XXXX and no one can tell me what it is and I have n't received any call back once I 've been promised that they would research the fee and call me back. It is still showing a deliquent on my credit report even though I have been making on time payments for the past year in the correct amount that was agreed upon. I will pay off my mortgage before this loan is ever paid off.
Consumer complaint received 2017-03-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (TX)

Reviewed credit report and discovered a collection : CMRE Financial Services for {$260.00} for emergency XXXX XXXX. 
I am disputing this debt unless the collection agency is able to validate the debt. 

I did not receive a notice that any medical bill was outstanding and then all of a sudden a collection was noted on my account.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

XXXX banks are reporting wrong as XXXX XXXX XXXX, XXXX and XXXX should notbe their! XXXX accts were paid in full 15 yrs ago and XXXX did n't beloing to me! XXXX credit bureaus are reporting wrong XXXX, Experian and XXXX
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I was charged {$410.00} at a XXXX XXXX XXXX in XXXX XXXX. I have never been to this Gas Station as it is XXXX miles from my home. I XXXX XXXX a XXXX XXXX and XXXX XXXX XXXX I have never spend more than {$60.00} at any gas station. 

I called Wells Fargo to open a claim. They closed my card and sent me a new one. They also credited me for the charge. 

Today I saw, the charge reappeared on my statement for my new card on XX/XX/2022. I called Wells Fargo and they told me the claim was denied because the card was always in my possession. I was given no notice or explanation of this decision. They opened a new claim, but I find this to be unacceptable that I need to spend money and have this charge on my account. If one uses common sense and sees the facts, this is clearly fraud. Please help. 


This is the address to the gas station, which I found with a simple google. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THE ORGANIZATIONS LISTED IN MY ATTACHMENT BELOW DID NOT RECEIVE WRITTEN PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT FROM ME. REPORTING LATE PAYMENTS, CHARGE OFFS, AND ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND WHICH IS FRAUD ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THESE ORGANIZATIONS HAD NO PERMISSIBLE PURPOSE TO PULL NOR FURNISH MY CREDIT REPORT. I DID NOT GIVE MY WRITTEN CONSENT WHICH IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (MI)

I've been calling for two weeks to dispute a charge. It was a scam and they have my card number. As soon as I'm the next person to speak with they hang up on me. Every single time. I'm still trying to call and no help. The charge was on XX/XX/XXXX but taken out the following day. What can I do about this?
Consumer complaint received 2016-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

I have been working hard towards keeping my credit in a good place and am currently trying to power pay on the Private Student Loan I have with the highest interest, while they ( the other XXXX I have ) are in deferment. The last time I checked my credit score was about XXXX and I contacted First Mark ( the private loan holder ) to see if I was able to refinance and they told me no. I just feel like 8 % is a lot for me to be paying in interest and was wondering if there is in fact a way to lower this loan so the extra payments I am paying will be worth it. Also, they told me that there is no way to put those extra payments ( After making the monthly payment ) directly towards the principle. I 'm also not sure how true this is either.
Consumer complaint received 2016-06-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Convergent Resources, Inc. (NJ)

I am filing another complaint against XXXX XXXX XXXX XXXX XXXX for the third time. My first and original complaint was on XXXX XXXX, XXXX and the case number is XXXX. My account had been submitted to XXXX XXXX and my complaint resulted with them ceasing all collection efforts. My second complaint filed was on XXXX XXXX, XXXX and the case number is XXXX, This time it was placed with XXXX XXXX XXXX XXXX. I became aware of them when a summons was placed against me and my mother. My complaint against them, through CFPB, resulted in a notice of discontinuance. 

In this third complaint, my account has/had been placed with Convergent. XXXX XXXX wants to settle XXXX percent of my total balance due. However, have they taken into consideration of the harassment, I have undergone for almost 10 years? They are asking me to settle for {$17.00}, XXXX! Never mind all the harassment I 've received as early as XXXX! Never mind that my first complaint resulted with XXXX XXXX ceasing all collections efforts! Never mind that my second complaint resulted with a notice of discontinuance on behalf of XXXX XXXX XXXX! In addition to having received this letter, I have been getting phone calls from ( XXXX ) XXXX. Most of the calls are sent to my voice mail and the person never leaves any messages. So. I am back to being harassed once again! 

Yesterday, I received a letter from XXXX of a " Notice of Acceleration. '' I do n't know if this is in reference to my account with XXXX XXXX XXXX or not. I do not recognize the account number from XXXX which is : XXXX while the XXXX XXXX XXXX account is : XXXX. These companies continues to switch things around and currently this account has been placed in default! I am sick and tired of this! What about my rights? What makes them think that I am obligated to make a settlement when they have been harassing me off and on for such a long time? If anything, I should be the one compensated for especially now since they have placed this loan in default!
Consumer complaint received 2021-12-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (GA)

I purchased a vehicle from XXXX on XX/XX/XXXX. I was able to get financed through Exeter Finance ( XXXX XXXX XXXX, XXXX, TX XXXX | XXXX ). The total cost of the XXXX XXXX XXXX XXXX was {$12000.00}. On XX/XX/XXXX the vehicle was stolen from me by a homeless man. He was later found in possession of the stolen vehicle after he crashed it while trying to abscond from a XXXX XXXX, GA police officer. My insurance company ( XXXX XXXX XXXX XXXX Georgia ) offered me an unfair settlement amount and I am currently in an active dispute with them over the {$5400.00} they tried to give me for my three month old car. 

While all this has been going on, I have still been responsible for the monthly payments to Exeter Finance. I have been unable to make them. I had to purchase another car to replace the one that was stolen and can not afford both payments. My bills are behind and I have pleaded for help several times with no response to any of my letters. I have also called them and asked for them to work with me, they denied helping me refinance the vehicle, defer payment, and completely disregarded my phone calls and letters and just keep sending bills and reducing my credit score. Not only has this affect me, but it has also affected my mother who co-signed the vehicle for me. Her credit score has reduced significantly. We are both victims of another person 's crime, but have been treated as if we are the criminal instead. I am in over my head with all of this. I need some help. No one will give me a break. Please if you can help me somehow I would greatly appreciate it.
Consumer complaint received 2021-12-12
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$6800.00} XXXX XXXX Balance {$780.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the repayment of the escrow shortages from COVID-19 forbearance spread out over 5 years ( 60 months ) given this can be done. This is not yet done.
Consumer complaint received 2021-12-12
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: Navient Solutions, LLC. (MI)

Navient XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified Navient when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted Navient and they wanted a dispute letter. This is wrong during a national pandemic
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo on XXXX, XX/XX/2021, at XXXX XXXX. Around XXXX XXXX PST, a manager/supervisor answered the phone. He indicated his name was XXXX. I asked XXXX which country he was located. He refused to answer my question and deliberately disconnected the call. This was unprofessional and his egregious conduct reflects poorly upon Wells Fargo. I have never had a supervisor from any company disconnect the call on me.
Consumer complaint received 2021-12-11
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. (MD)

This request to block the accounts listed below from my credit report is not made an error in my request to block information is not based on material misrepresentation and I did not knowingly obtained possession of goods services or moneys as a result of one or more of the transactions that I seek to block. Under 15 US C 1681C-2 you must block all fraudulent accounts. Since I attach my form of ID proof of address Social Security card FTC report. This complaint lists someone that your company should recognize as their customer of their customers authorized representative. 

You are reporting accounts that are fraudulent and accounts that are not mine! which violates my privacy. According to Congress I have the right to privacy the hard inquiries violate my privacy. I do not want information shared on my consumer credit report remove them immediately!
Consumer complaint received 2022-11-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I am writing you in regards to CFPB complaint # XXXX. According to United States Code 15 USC 1601. Be advised, Congress is aware that economic stability would be enhanced and the competition for consumer credit transactions would increase throughout financial institutions, which means my credit is needed. The goal of Congress is to ensure that all consumers, such as myself are aware of the proper use of credit and to know how to avoid the uninformed use of credit and to protect consumers against inaccurate and unfair credit billing and credit card practices. XXXX XXXX, I made an uninformed decision to enter into a consumer credit transaction with XXXX XXXX XXXX I made an uninformed decision to enter into an agreement without knowing the meaningful disclosure of the credit terms. Pursuant to Blacks Law Dictionary ( XXXX XXXX. 2004 ), an agreement is, a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was given a generic computerized agreement that is given to all consumers who enter a consumer credit transaction, without clear and conspicuous terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision, this debt becomes null and void. I, the consumer and natural person did not receive a printed adequate notice. Pursuant 15 USC 1602k. The adequate notice is to give me the pertinent facts clearly and conspicuously so that I had noticed and understood its meaning. XXXXXXXX XXXX XXXX had the choice of printing the notice, giving it to me on each periodic statement, or by other means to assure I was in receipt of the notice and I did not receive either. As a result of deception of this one-sided agreement, your institution shall remove any derogatory remarks. XXXX XXXX XXXX has already updated the account to a {$0.00} balance after making them aware of initial violation of reporting on my consumer report as a charge off which you all are still in violation of. XXXX 's ( canceled debt ) is defined as XXXX. XXXX does not go on a consumer report. You also stated that you mailed me something but did not verify my accurate mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX there is no other verification needed for my mailing address as I just provided it to you in this complaint. I have also attached complaints to attorney general. I expect to hear a response from you all within 15 days. Best Regards, XXXX : XXXX ' Without Prejudice. All Natural Inalienable Rights XXXX.
Consumer complaint received 2016-12-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (TN)

I currently have 3 credit cards with NFCU, and all of the sudden NFCU turned off 2 of them. I called NFCU to see what happened and they stated they were turned off and my 30 day window to turn them back on had passed. I was not given no prior notification from them that this was happening. NFCU has a past of doing illegal things
Consumer complaint received 2016-07-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

On or about XXXX 2016, I noticed that a Common Wealth Financial company appeared on my credit files, XXXX entries appear as ( Acct # XXXX ; Acct # XXXX, in the amount ( s ) {$910.00} ; {$750.00}. I requested that Common Wealth Financial validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now, Common Wealth Financial is coming after me. I have continued to request that there validation and they continue to allow this to report on my files.
Consumer complaint received 2019-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Good Afternoon, My name is XXXX XXXX and in XXXX of XXXX I was called by XXXX XXXX XXXX ( which was a contract debt collector for Sallie Mae / Dept of Ed. ). because my loan was in default status. I was told that in order to make a settlement for my loan that I could pay {$10000.00} and my entire student loan would be satisfactorily settled. I made a Payment on XX/XX/XXXX. I received a 1099 in XXXX from IRS of that year stating that my loan was statisfied and that my Tax returns would no longer be garnished. I have recently learned that XXXX went out of business shortly thereafter. 

In XX/XX/XXXX my data was transferred back from XXXX to Navient/ Dept of Education . At that time I started getting correspondence from Navient stating that this same loan had never been settled or paid at all. The full amount of the outstanding balance plus interest and late fees has been placed on my credit report. 


This is severely problematic because I currently work in finance and this large debt of {$30000.00} is causing my credit score to be lowered because it increases my debt to income ratio for this amount of unsecured debt that I am responsible for has the credit appearance that I am irresponsible with finances. An additional injury was that In XXXX I had to leave a position as a XXXX in the XXXX  XXXX XXXX because my security clearance was being reviewed and faced adjudication because of this large debt. I would have been fired for financial concerns. 

I have contacted Navient and the credit bureaus on several occasions. I am now asking that the CFPB get involved so that I can securely work without fear of this negatively impacting the way potential employers view me. I would like someone to review this matter and my loan because this is causing me severe economic harm. 


Respectfully, XXXX XXXX ( XXXX ) XXXX