davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

I was told when first opening this account over a year ago that I wouldnt have to pay overdraft fees because my account comes with protection and was assured that I was one of the lucky few. Ive been charged hundreds of dollars just in this past month to three simply from overdraft fees. Ive called more than twice to try to speak with different agents and get told the same thing every time, which is no. 
I wasnt able to make payments from being unaware that my checking was in the negative which I feel is not good business considering Ive funneled many thousands of dollars thru their institution, alongside my direct deposit hasnt changed from regions not once. I do feel completely entitled to my hundreds of dollars in overdraft fees and i will cause my account and switch direct deposit if I dont get my funds returned. I sincerely do not want to take that route and would like to resume my direct deposits thru their checking along with having s more conscientious disposition on my expenditures. 
Ps. And they charge me double every time!
Consumer complaint received 2022-06-17
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. (FL)

To whom it may concern, I recently pulled my reports and noticed you are reporting ( XXXX XXXX XXXX XXXX ) inaccurately and violating the FCRA laws by furnishing inaccurate information on my account as I am entitled to accounts on my report being accurate and verified. XXXX has DELETED these accounts because they were unable to properly verify it. Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Because this account is being reported by your company and XXXX are different, this means the account has not been properly verified by you. Please DELETE this account immediately.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (VA)

I applied for unemployment with the District of Columbia XXXX XXXX XXXX XXXX during a week of furlough. I requested direct deposit for my payment. While waiting to hear if I'd been a approved a debit card arrived from USBANK. The card bore a DC.gov logo and while the letter included standard legalese about opening a new debit line, it contained no information about my XXXX claim. 

I assumed I'd been paid, somehow through this debit system instead of through direct deposit as I requested. It seemed that I'd only be able to check the balance if I activated the card, which I did. 

The balance is XXXX dollars. On further research, it's unclear to me why this card was issued in my name, I did not request it. It seems that DC DOES will not be using it to pay me. Therefore it only opens me up to potential fees or identity fraud. 

I called to cancel the card as was put onto a phone tree. I was told there were over 600 people waiting on line, and it took 7 minutes to get to a place in the phone tree where I could request a call back.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (PA)

I paid off my lease agreement in XXXX of 2020 and returned my vehicle at the end of the month with no damage or excess mileage. There was a disposition fee as we did not purchase another vehicle. We never received a bill. On XX/XX/2020, through my credit monitoring application I noticed an account update of 30 days past due. In talking with the customer representative on XX/XX/2020, she showed on the current account the bill was sent, however, on our other account our address was invalid. The second lease account had the same address listed as invalid with no billing statements being sent. This transpired during the global pandemic and the account supervisor is resending me the bill and corrected both accounts, however, they are not willing to take the credit reporting off of my account. Obviously, there is an error in their system with my mailing address.
Consumer complaint received 2022-06-17
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. (FL)

To whom it may concern, I recently pulled my reports and noticed you are reporting ( XXXX XXXX XXXX XXXX ) inaccurately and violating the FCRA laws by furnishing inaccurate information on my account as I am entitled to accounts on my report being accurate and verified. XXXX has DELETED these accounts because they were unable to properly verify it. Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Because this account is being reported by your company and XXXX are different, this means the account has not been properly verified by you. Please DELETE this account immediately.
Consumer complaint received 2022-06-17
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. (NC)

To Whom It May Concern : In accordance with the Fair Credit Reporting act, the accounts listed below have violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Please delete the accounts listed below. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ XXXX XXXX XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (CO)

Back in XXXX of XXXX I spoke with my lender, Nelnet, and requested to be added to the SAVE forgiveness program and income driven repayment plan. I also requested to be put on discretionary forbearance until my loans are forgiven. According to what I have read on the Dept. of Education site and heard from the president, I qualify for loan forgiveness. 
In XXXX of XXXX I was told that I now had to pay monthly again despite being in forbearance ( or so I thought ). I called NelNet today, XX/XX/XXXX to discuss the issue with them. They told me I was only on " administrative forbearance '' and that I have to pay. She said she had never heard of discretionary forbearance and was honestly rude and not helpful at all. This was not my understanding back in XXXX when I spoke with someone else. The woman I spoke with today said I can't be on forbearance and I need to pay. 
I am frustrated and confused on what to do because while technically my payment is now late, I know that my loans qualify to be forgiven. I would like to please have some clarity around all of this, get answers and have this resolved.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NH)

I am a natural person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, they have violated my rights numerous times. I demand the Inquiries listed below be removed because, According to the 15 USC 1681 : I have the right to privacy and I did not give Equifax written Permission to furnish these Inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (FL)

Late fees, disputes fee with 30 days, was no respond and late fees veries in amouts from XXXX and than in a diferentes sstanents it shows XXXX very strange.. Was not disclosed to me any if this ..Intrest discrepsancy
Consumer complaint received 2021-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE XXXX Balance Owed : {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Byrider Franchising, LLC (OH)

After carefully reviewing the document, I have identified several discrepancies that require immediate attention and correction. 

Personal Information : Incorrect Name/Address : The credit report lists the misspelling of my name as my current information. However, my correct name and address is different. The report also lists an incorrect social security number as well. 

Outdated Information : Additionally, I noticed that the report includes outdated information such as Old Addresses/Names/Phone Numbers which is no longer relevant to my current financial standing. 

Impact : These inaccuracies are not only misleading but also have a detrimental impact on my financial credibility. I am concerned that these errors may affect my ability to secure loans, mortgages, or other financial services in the future.

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Business Factors (NV)

These companies national business factor and XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX, Is Reporting fraudulent Inaccurate Information on my credit report I have requested that they provide the purchase agreement To show Ownership of such account and other documents So I may review to see if this account actually belongs to me
Consumer complaint received 2022-06-17
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX Account # XXXX has

violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Hi Team, I moved from XXXX, XXXX  to XXXX, XXXX  in the era of COVID 19. So, this could be one of the exceptional cases that needs to be reconsidered ( help me to improve credit score ). 

I paid as soon as I am notified about the pending bill working with hospital  ( or medical provider ). Medical provider promised us that they will inform the collection agent and will not be reported. Looking at the records, I am not abusive user of my credit line and missed any medical payments. 

I tried all possible ways to improve my credit score, like paying in advance, using within limits, having 3-4 credit cards, not closing any cards etc etc. 

I worked with my financial institutions and cleared late payments and waived late payment fees long back when it happened because of several reasons. Worked with financial advisors to keep my credit score high. But, Still they are haunting me till date without a reason. 
Attached lots of information. Still, I can provide necessary information, if you need any. 

Please help to get my desired score honoring my history.!!!
Consumer complaint received 2024-05-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB (IL)

On XX/XX/2024, I placed an order online through XXXX for three products totaling {$63.00}. XXXX has an option to pay using KLARNA which helps break up the payments into four different dates. Since it was an online order, I was supposed to go to the store to pick up the items. 

On XX/XX/XXXX, {$15.00} was charged to my debit card and the remaining balance was {$47.00} to be broken up into three future dates. 

The items were ( 1 ) a perfume called XXXX. XXXX XXXX XXXXt at {$32.00} ( 2 ) XXXXXXXX XXXX at {$30.00} and item ( 3 ) XXXX XXXX  at {$28.00}. 

I was to pick up the items at the XXXX store at XXXX, IL. 

When I arrived, the store clerk told me that one of the items, the XXXX. XXXX XXXX XXXXXXXX was not in stock so " it was going to fall off the order '' only that it never did. 

I have the receipt that XXXX stated " cancelled item. '' I also chose that I did not want to take the XXXX XXXX perfume so the XXXX attendant told me since I. had " technically '' already paid for it, she would refund me the {$28.00} ( plus XXXX for tax so XXXX ). The only thing I did end up taking was the item XXXX XXXX that was {$30.00}. 

Technically, the only thing I " owe '' is the remaining {$15.00}. ( because I had already paid one payment to Klarna of {$15.00} ) However, Klarna is not acknowledging that XXXX cancelled the item that was {$32.00} and wants to continue charging me for it. I called both XXXX and. KLARNA and both point the fingers to one another as to the mix up plus when I did try to submit a " complaint '' through Klarna so that I could upload the receipt that indicates that XXXX cancelled XXXXne of the items, it can only be done through the app and then it tells me that an agent will be with me in X minutes and when it finally got o my turn, nothing happened, no agent came to the chat. Apparently, this is the only to upload the receipt that I have. 

So essentially, XXXX does not want to take care of this because they say it is a KLARNA issue and KLARNA has the worst customer service and the only way to upload the evidence I have is through the app which I never get a live person ( and supposedley I am supposed to ) I have wasted a lot of time and energy trying to resolve this. Klarna keeps telling me that I owe the amount of the item that XXXX cancelled ( because they did not have it in stock when I arrived ).
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NY)

Hi I purchased a XXXX XXXX XXXX in XXXX of XXXX at the major world dealership. I recently have come to find out upon trying to do a trade in that my vehicle has structural damage. The real value of the vehicle is no way near the price that I'm paying for it! Wells Fargo Bank wants to hold me responsible for paying my loan payments and deductable of the auction purchase still when I'm volunteering to give them reposition of it. I don't feel safe n responsible for a vehicle that was sold without any knowledge of what 2 people at XXXX told me.
Consumer complaint received 2022-06-17
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, Account # XXXX has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (TN)

I had received multiple advertisements from Mariner finance and when I was in a tight spot I applied. I was offered XXXX but didn't need that and took XXXX. I've paid on time every month and sometimes twice a month for over a year. My payoff amount is 3 times what I borrowed and discovered I was pay for extras including life insurance. They have made this loan impossible to payoff and they are making 3 times their money back.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NY)

in accordance with the fair credit reporting act this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, my daughter passed away and left 2 savings accounts ( for which she was the financial custodian ) for her children. These accounts were in Truist Bank. The bank failed to transfer these savings accounts when I established the XXXX XXXX XXXX XXXX account for which I am the court-appointed executor. 
Her 2 minor children, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX, now live with their father, stepmother, and her 4 children, Although he is the biological parent and children 's guardian he is not their court-appointed financial guardian. He refused to go through the proper channels to attain that appointment. A Truist bank manager wrote me, " A guardian of the minor 's property is someone appointed by the court. A parent is not the guardian of the minor 's property unless he/she has been appointed to that position ''. Also, he refused to pay the mortgage on the home that the children inherited and let it go into foreclosure despite the fact that there was ~ {$100000.00} in equity in the house. Clearly, he is not fulfilling his fiduciary responsibility to his children. 
In XX/XX/XXXX, their father, XXXX XXXX, withdrew the money from their savings account, approximately {$5000.00} and {$5300.00}, respectively. He presented the children 's birth certificates, my daughter 's death certificate, and his ID. Truist bank then cut him the checks, issued to both XXXX XXXX and XXXX XXXX, and XXXX XXXX and XXXX XXXX. He told me he set up accounts for them so they could access that money when they get older. Now, he has access to their savings accounts and I fear that the money will be spent carelessly and recklessly without the children 's knowledge or consent. 
On XX/XX/XXXX, I went to the local Truist Bank and asked why he was able to access and withdraw this money even though he is not their court-appointed financial guardian. Truist was not authorized to release this money to XXXX XXXX. They told me that the teller checked with her supervisor and received legal counsel approving these withdrawals. 
I truly believe Truist Bank violated its legal and fiduciary responsibility to XXXX and XXXX XXXX, and my daughter 's estate. I am requesting assistance in investigating whether Truist Bank was authorized to release this money, ~ {$10000.00}, to XXXX XXXX. 
Please advise.
Consumer complaint received 2021-11-04
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: Navient Solutions, LLC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with NAVIENT XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.