davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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. (GA)

I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.
Consumer complaint received 2020-10-15
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: General Motors Financial Company, Inc. (WI)

On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX XXXX, AmeriCredit, XXXX XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

I sent a payment to my mortgage company and they applied to principal instead of a regular payment. This made my escrow short and no payment was applied to principal or interest. They are now claiming it is late and threatening a late fee. I talked to XXXX at PennyMac. 
They claim payment amount increased, but they never notified me. Thy stopped sending mortgage statements inXX/XX/2020.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my Credit Card earlier this year and said they can not reopen that card- stating they will be happy for me to reapply for another credit card from them but CAN NOT reopen this closed credit card. ( This issue has been reported in the past thru this website without any resolution from BofA as requested ). ( complaint ID XXXX ). 
I decided to reopen another credit card as BofA recommended me in the past on XX/XX/21, which they denied right away stating in the letter " An Account with us and/or our affiliates has been revoked. '' I think Bank of America is tricking me by telling me to apply for another card when they close my last card. If BofA does not want me to have another credit card from them then they should say so rather than giving me a false recommendation at the time they close my old credit card.

This kind of business is unacceptable from a big corporate like BofA- recommending to apply for another credit card, then denied once applied. This kind of business should not be tolerated because this affects my credit score ( hard inquiry ).
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-10-15
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. (IL)

XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (TX)

Items were illegally ran on my credit. Not giving consent to do so by me.! XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (NY)

I received a letter from XXXX XXXX XXXX addressed to my estate. I was reported by synchrony bank who put on my credit report that I was deceased. XXXX got a hold of this and is now sending me letters to my so called Estate. I am not dead. 
I called synchrony bank and they could not tell me why this happened or who did it.This is EXTREMELY disturbing getting a letter saying that you are dead in the time of all these crises. I am VERY upset upon seeing that I am deceased on my credit report put on by synchrony bank and receiving letters to collect a debt from a dead person. I really need your help.
Consumer complaint received 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (GA)

I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : Department of ED Amount : XXXX I am disputing this claim as the business is no longer in existence. This is my official request to have the aforementioned item to be deleted off my credit report.
Consumer complaint received 2020-10-15
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. (WA)

Ive explained NUMEROUS times to trans union that Ive been victimized before with fraudulent accounts using my name to establish credit and  this XXXX/account is an example of this. the credit provider has recognized this and closed the account writing off the balance. I was not even aware this account existed till recently. Trans union has refused too eliminate the account as the company company has., and still reports late payment etc regarding this account which has cost me 50 point on my score. Ive disputed this account numerous times and they still refuse to eliminate this fake account. THIS IS THE ONLY BLEMISH ON MY REPORT WHICH IVE WORKED HARD TO MAINTAIN!!!
Consumer complaint received 2022-06-23
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: TD BANK US HOLDING COMPANY (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc. (CT)

The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/2020, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: ADP Inc. (NV)

Hello I have received a master card ( wisely pay ) from my employer and everything was working until I couldnt use my card on Sunday it was locked I called customer service they told me my birthday info was incorrect I was confused they told me to send them a picture of my ssn and date of birth Through a link after that I waited two days and still my card is locked I called again they told me the same thing so I sent them the photos again and still nothing I have called them and they are still saying 1-2 business days
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I opened my account XX/XX/XXXX with Synchrony Bank care credit, they emailed me while XXXX that my account was scheduled to be closed due to inactivity. However, I reached out to their service agent via text and described the issue explaining I was XXXX overseas XX/XX/XXXX and asked to please not close the account. They assured me they were aware and my account would remain in good standing. Then come to find out XX/XX/XXXX my account has been closed and reported to the credit bureaus. I tried reaching out to the company same day, to reopen my account they stated I had to reapply. I am at no fault for this incident and was assured my account would remain in good standing, yet while serving my country, my credit has been negative impacted and I am to apply again for another hard credit pull? Absolutely ridiculous.
Consumer complaint received 2022-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NE)

I requested to have my student loan payments made during the COVID-19 pandemic refunded as was allowed under the CARES act. I have been given timelines that state I must wait XXXX weeks or more to receive the money, and can not get in contact with anyone that can actually resolve or expedite this. My balance was reinstated on XX/XX/XXXX and now reflects on my credit report as a higher balance, despite no refund being made to me. My balance should not have been adjusted prior to the money being in my hand point blank, that is wrong. It is also wrong I should be told XXXX weeks to wait for a refund I know they can process faster than this. I opened a case on the XXXX website, nelnet reached out and just reiterated I have to wait. This is unacceptable. I contacted the US dept of treasury at XXXX and was told this refund is still pending DOE approval. I reached out to a number given to me by the US treasury XXXX but when I selected the option for help with direct loans, i get told this extension is no longer in use and get hung up on. This is unacceptable. It is being reported to all 3 bureaus my balance is higher, i want my money now.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

I turned in a Leased Honda XXXX  early. My mileage limit was XXXX. The car had approximately XXXX miles at the time of turn in. I had completed all, repeat all of my monthly payments for the lease. My lease matured in XX/XX/2020 and I did not lease or purchase another Honda. American Honda Finance ( AHF ) issued a fee of {$900.00} for excess wear and tear and a lease maturity turn in tax and other items ( items that they admittedly will waive if you purchase or lease another Honda ). None of the {$900.00} was related to monthly payments. I received a notification that my credit scoXXXX had dropped XXXX points because AHF reported a 90 day past due status on a payment. My position is that AHF incorrectly reported the {$900.00} as a late payment. It is not a payment. It is a fee that was not negotiated by either party. I am not sure if it was even in the lease contract but even if it was it has nothing to do with a monthly payment. I explained to AHF also that COVID-19 economic hardships had hit my family hard and that I requested that they reclassify their reporting. AHF refused and stated that I had to make a payment or the account will continue to show as past due and my credit score would continue to take hits. I had to make an initial payment to stop the bleeding and to bring the account up to date. 

The late payment report should have not been reported as a late payment. It should have been reported as an unpaid fee. During my telephone call with AHF on XX/XX/2020, I tried to work the situation out explaining that they reported incorrectly. It wasn't a late payment is was a non-negotiated fee that Honda tacked on because I didn't lease or purchase another Honda. AHF refused to reclassify their reporting, and now I have an XXXX credit score decrease.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

I requested a refund of payments made during COVID moratorium at the beginning of XXXX. My account at XXXX stated that the money had been refunded on XX/XX/30. I called on XX/XX/30 to be sure, as the money hadn't hit my account. They said it could take 7-10 business days. It is now 12 business days in and the money has not hit my account, however, they are already reporting the debt to the credit reporting companies. Today they said that they send the refund to the department of treasury and that department is behind on issuing refunds. There is no instruction on how to get an ETA from the Dept of Treasury, no actual legal documents that say the Dept of Treasury will be sending that money. So we are supposed to apply for Loan Forgiveness and possibly receive forgiveness BEFORE we get a refund, and then what are the chances we never actually receive that money? at that point we don't have an open account with the loan servicing company anymore. I see a potential nightmare for customers here.
Consumer complaint received 2020-10-15
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. (CT)

The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/2020, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Consumer complaint received 2022-12-28
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. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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. (AL)

In accordance with Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX  acct number XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1605 states that the finance charge is the sum of all charge, no such thing as late payment 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ; reporting high usage negative impact on family/household/livelihood improper investigation, 5 U.S. Code 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted 15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer to whom it relates.

15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report without notifying the consumer in writing
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Consumer complaint received 2022-06-23
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. (AL)

In accordance with The Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S. C 1681 Section 602 A states I have the rights 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 2020-10-15
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WINN LAW GROUP, APC (CA)

I was notified via letter on XX/XX/20 that Winn Law Group would be garnishing my wages by 25 % beginning XX/XX/20. I called them immediately on the XXXX, I got an approval to settle the debt in whole for {$1600.00}. I went to the bank immediately, procured a cashier 's check, & XXXX overnighted the check. The check was received on XXXX PST on XX/XX/20. Today, my check from work was garnished anyway. When I requested assistance from the company for seizing my assets after they settled my debt, they told me they had done their job and would not assist me in recouping my money.