davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I am writing to file a complaint against Fedloan Servicing. My loan was transferred to them after my application for XXXX XXXX XXXX was approved in XXXX of 2021. I attempted to recertify my XXXX XXXX loan plan with them however I believed that my updated payments were not accurately calculated. I submitted my paystub and requested a review of my XXXX XXXX application because I believed my payments were too high. I recieved an email on XX/XX/2021 indicating that my application could not be processed and more documentation is needed but the needed documentation was not indicated. I have not received any mailed letters from Fedloan Servicing and there were no update letters in the portal. I have called several times and waited on hold for upward of XXXX hours.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2023 my account was closed. The reason was based on my credit utilization with other creditors. The credit statement was ambiguous. I believed my credit worthiness with this credit card would be based on my relationship with them not others. I have no past due activities on XXXX of my credit cards. This decision will further cause my credit score to drop and make me look unfavorable. This creditor did not give me any options to resolve. I currently owe {$53.00}. 
On the same day, my synchrony home account credit line was reduced to {$250.00} from {$1000.00} for the same purpose but was not closed.
Consumer complaint received 2022-09-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (SC)

I filed an FTC report for identity theft in XX/XX/2021 and forwarded it to XXXX and XXXX, but they refused to remove this item in the amount of {$2000.00}. The last time the account was updated was on XX/XX/2021, which is wrong. the company 's XXXX XXXX did not respond to my questions. I have no idea where this financing came from. I've always paid my payments on time.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) # XXXX, XXXX, XXXX, XXXX  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 2022-08-21
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. (TX)

I disputed this acount due to the account charged off in XX/XX/XXXX and showing 0 payment history until XX/XX/XXXX and XX/XX/XXXX, per Experian showing the account as charged therefore should not have any payment history whatsoever and why are they reporting charge off now again Per the FCRA I have the right to a accurate credit report and this is not fair or accurate
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX Synchrony Bank processed a payment for {$4100.00} which was not authorized. The company claimed that I set up autopay for the statement balance which I'm sure I set it up for the minimum payment. I am always very careful. When I brought this to the company, they were willing to issue a check but said that it would take 2-3 weeks for it to process. They were able to fraudulently take the amount electronically and were unwilling to return the amount electronically minus the minimum payment. They overdrew my account and left me without any money to take care of my family and expected me to wait for weeks to receive the unauthorized amount of money they took. Their customer service was able to get the check expedited to 3-5 business days but that still leaves me without money for almost a week. I have had nothing but problems with this company and in a previous instance they charged me a double payment even though customer care said that I would not have to make the second payment. This company has deceitful business practices and should adjust them.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (WA)

I have attempted to cancel this service since XXXX has refused to assist in changing my alarm monitoring connection to Wi-Fi to be compatible with my new internet connection and ISP. This request has been " blown off '' at least four times over the past four months. Our previous communication connection was by cable/land line. We changed communication to Wi-Fi ( XXXX ) and disconnected the cable ( XXXX XXXX ) on XXXX XX/XX/2023. In fact, XXXX did not even detect a communication fault until 1-1/2 weeks later -- VERY POOR SERVICE RESPONSE. 

I also sent a letter confirming my service disconnection, which was returned undeliverable. 

I have explained this to my credit card company to which XXXX continues to make charges and the Navy Federal Credit Union has declined to cease the payments.
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : DISCOVER BANK Account Number : XXXX
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.
Consumer complaint received 2020-12-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

In 2016 I was involved in a domestic situation. During that time, my partner did not have a car and mine was used by us both for transportation. That car ended up having to be replaced. I went to XXXX XXXX in XXXX NC to purchase a new car, however was forced at that time to co-sign for a car for her as well. At this time because I knew how much I had been abused, no matter what signs I gave the salesman they pressured me to co-sign as well. Stated why not " 2 in one day '' At this time I co-signed for her car and signed for mine, we both received a XXXX XXXX XXXX. The cars were both financed through the same company, NMAC. Nissan 's finance company. As a consumer my income did not support two loans. These cars again were financed on the same day, by the same company, this made the sale unfair. The salesman was not concerned about me at the time, my income, it was only to gain a sale, knowing I could not afford it affecting my credit worthiness. I was young at the time as well, 2 years out of college. I satisfied my loan but because she could not afford the second loan, nor could I, she got the car repossessed ( Vin ending in XXXX ) and the repossession is now on my credit file. With this sale, it broke laws according to the UDAPP- Unfair, Deceptive, & Abusive Acts and Practices. I have contacted Nissan 's loss recovery department on XX/XX/XXXX, XX/XX/XXXX at XXXX ( Spoke with XXXX-gave me service req # XXXX ) on XX/XX/XXXX at XXXX ( Spoke with XXXX ) and requested a copy of the sales agreement from this day, all three times they stated they mailed it, except XXXX, she stated she would email it, I have yet to receive this sales agreement. I spoke to a sales representative at XXXX XXXX XXXX in XXXX NC to see if I could obtain anything from them, but he stated they did not use the same system. He also stated to me that Nissan would not send me that information because they knew they were in the wrong for making that sale
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There are Inquiries on my 3 credit bureaus that were never authorized done in XXXX of 2021 in relation to car loans that I never gave any sort of formal nor written authorization to have done. 
All 3 bureaus have been disputed through but yet none of them will remove these fraudulent inquiries.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (MI)

My complaint is against United Wholesale Mortgage. I contacted them in XX/XX/2023 to let them know that I was experiencing a pandemic-related financial hardship and requested a CARES Act forbearance. I was told that as my account was current as of that date, I would need to cancel my autopay and then wait until after XX/XX/XXXXo call back. I called back on XX/XX/2023, and was approved for a forbearance plan with an initial expiration date of XX/XX/23. A copy of this approval is attached to this complaint. 

Since that time, I have received several notices regarding my " recently missed payments '' - these notices do not acknowledge the approved forbearance plan and instead advise on derogatory credit reporting, possible foreclosure, deed-in-lieu, and short sale. I called them on several occasions about these notices and am told they don't know why they keep being sent and each representative has confirmed I'm in an active forbearance during those calls. Copy of notice attached. Multiple notices have been received, one included due to page limits for uploading. 

I've also received several calls from United Wholesale asking me if I intend to keep the property, advising me of the total currently past due, and asking if I can make a payment. When I mention the forbearance plan, they acknowledge it and then continue asking for payments and threatening foreclosure or negative credit reporting. 

These calls are incredibly upsetting. The notices and calls all lead with the intent to instill fear in the consumer. These are not " calling for a friendly update on your financial situation '' calls. I took the responsible path and was proactive in contacting the company and making arrangements before any " debt collection '' activity was needed on their end. Why am I getting treated as though I have no forbearance in place? 

My mortgage statement also states that I'm 75 days delinquent and may face foreclosure before another paragraph finally acknowledges the active forbearance. Copy provided with this complaint. 

I understand that the payments during the forbearance will still be due and are not forgiven. I also understand the options available at the end of the initial forbearance. What I don't understand is why I'm being threatened with foreclosure and pressured into making payments that are currently suspended while under an active plan.
Consumer complaint received 2021-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (NY)

I created my Gemini account on XXXX XXXX, it's been over 3 weeks now and my account still says verification is pending I am able to deposit money but not able to withdraw, I even sent a report to Gemini support on XXXX XXXX  it's been a week now and I still haven't got any response. 

The email address I use to sign up on Gemini is XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent an initial complaint dated XX/XX/XXXX with the inaccuracies that are being reported differently across XXXX and XXXX. They ( XXXXXXXX XXXX XXXX  ) received that letter with certified returned receipt on XX/XX/XXXX. Their response was a " canned '' response that " My correspondence does not provide sufficient information to investigate my dispute. '' Which is a lie because i included account number and they themselves on the correspondence dated XX/XX/XXXX states my full account number My dispute also stated 3 errors in detail date opened is incorrect, date last active is incorrect, payment history has inaccuracies I also included a copy of my report with the errors outlined in red. A second letter was sent today ( XX/XX/XXXX ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 i contacted Equifax via mail to dispute inaccurate information on my credit reports. To date I have not heard a response in reference to my dispute.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (OH)

In the course of the month of XXXX, my husband and I have received four ( 4 ) credit cards with four different names using our home address. We have lived in our home for 25 years and built the home. Therefore, no one else has lived in our home. Additionally, we are in the process of selling our home, which is when the problem began. 

Here are the names of individuals of the credit cards sent to my home address ( XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) as sent from the same address ( XXXX XXXX, XXXX. XXXX XXXX, XXXX, Indiana XXXX ) : 1. XXXX XXXX XXXX mail received on XX/XX/XXXX ) ( I'm still in possession of this card ) ; 2. XXXX XXXX XXXX ( returned to Cardholder Services ) ; 3. XXXX XXXX XXXX XXXX returned to Cardholder Services ) ; and 4. XXXX XXXX XXXX returned to Cardholder Services ). 

My husband suggests the applicant potentially thinks they are able to come by our home and pick up the envelope from our mailbox. Luckily for us, our mail is delivered to a gang box and is not placed on our front porch. 

Please advise on how we can stop the credit card company from issuing cards using our address. Our contact information is as follows : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX home XXXX cell XXXX Thanks!
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (DE)

On XX/XX/XXXX, at XXXX p.m. XXXX. I called Indigo Card Service, and spoke with an associate that transferred me to their manager, per my request. The associate could not answer my question, as to why my credit card was report to the credit bureaus as over the limit? When I spoke with their manager, I believe the manager name was XXXX or XXXX. I am not quite sure of the manager 's name. I asked the manager to explain why my credit card, ending, XXXX was over the limit after I made the payment on time on XX/XX/XXXX. My closing statement day is the XXXX of each month. The manager stated it depends on when I made the payment. I said, I did it before the cutoff time, which is XXXX XXXX. E.S.T. The manager reviewed my account and saw I made my payment, on XX/XX/XXXX. I asked what time does it show I made the payment? The manager stated it was at XXXXXXXX XXXX P.S.T., payments made before XXXX XXXX. P.ST. is credited to the account the same day. I said, I was going to report this to the CFPB. The manager stated that they would dispute the balance as it should not have been report late and over the credit limit. I receive a letter dated XX/XX/XXXX, that the information was reported correctly. The incompetent manager or associate that disputed the balance; disputed it for the month of XX/XX/XXXX and XX/XX/XXXX. I was talking about a payment made and over the limit balance for XX/XX/XXXX, why was this dispute done for XX/XX/XXXX and XX/XX/XXXX? Today, XX/XX/XXXX, I spoke with XXXX and asked them to transfer me to a manager to answer what time the payment was made on XX/XX/XXXX, as they did not know this information. I spoke with XXXX XXXX manager ), and stated again I made the payment at XXXX P.S.T on XX/XX/XXXX. XXXX was very kind and stated they will file the dispute for me correctly, because the previous dispute was file forXX/XX/XXXX. I want my balance report for XX/XX/XXXX to be corrected, as this affects my debt ratio. This is the 3rd time this has occurred where credit card companies reported my balances incorrect to the credit bureaus. Then my credit is affected and can not get the points back that I lost originally. I believe CFPB should look into possible XXXX discrimination, that credit card companies are targeting XXXX individuals. I am aware this occurred with other XXXX individuals.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.