davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NY)

In XXXX, I accepted an offer from Sams club for their Sams Club rewards credit card. The card promised cash back for purchasing items such as gas ( 5 % back ) and restaurants ( 3 % ). By about XX/XX/XXXX, I received an e-mail correspondence from Synchrony Bank, the card issuer, that my accumulated reward balance was {$150.00}. I contacted Sams club and they informed me that the only way to redeem the cash back balance was to travel to a retail Sams club location and present the physical card to the cashier in customer service and a cash disbursement in the amount of the stated reward cash balance would be paid to me. 

On XX/XX/XXXX, I traveled to Sams Club, in XXXX, NY, and presented my card for the {$150.00} cash back redemption and the cashier told me that it was already redeemed sometime in XXXX of XXXX. I was told by the representative that my card would have had to be present in order to receive my cash reward. I told the Sams Club customer service representative that I have not been to any Sams Clubs in XXXX of XXXX and my card never left my possession upon receiving it in the XXXX Mail and that the reward balance was not paid to me. 

While I was still at Sams Club, I contacted Synchrony Bank to try to resolve this issue. The Sams Club representative then verified to the representative at Synchrony Bank that I was not at any Sams Club in XX/XX/XXXX, based on their electronic records. They advised that they thought the card may have been compromised and said they would send a new card to me with a new account number and research where the cash reward of {$150.00} had gone. 

Numerous additional calls to Synchrony Bank on XX/XX/XXXX and XXXX and again on XX/XX/XXXX resulted in Synchrony Bank blaming Sams Club and vice versa. Synchrony Bank stated that they will have an answer by XX/XX/XXXX. After stating to me that a representative would call me back, they never do. 

I then called Synchrony Bank on XX/XX/XXXX, and they had no resolution to my issue and again, Synchrony Bank was blaming Sams Club and vice versa. It was clear to me that after several hours on hold and speaking to countless representatives from Sams Club and Synchrony Bank, over the course of a couple of months, the bank or the Club would not provide a resolution to my issue.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Under public records the following are still reporting on my credit report when the accounts are too old and should be removed off my credit report. 
Usaa savings bank settlement accepted date XX/XX/XXXX XXXX card services settlement accepted XX/XX/XXXX XXXX XXXX  XXXX  settlement accepted XX/XX/XXXX XXXX
Consumer complaint received 2019-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/2017 a family member signed to get a loan for anther family member of mine. I didn't mine because they were family I didn't want anyone to get into any trouble. I was even help paying the interest on the loan to protect my credit. Then the borrower stopped paying completely. I went and got legal advice and they advised me pay the loan off and seek the co borrower in court for the vehicle. Well the vehicle has been wrecked since last year and she hasn't reported it to the credit union. I  believe this breaches the contract.
Consumer complaint received 2023-03-09
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. (NV)

NAME : XXXX XXXX. 
ALIAS : XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- Experian continues reporting 30 days late for XX/XX/2016. 
A ) Attachment XXXX shows due date as the XXXX. 
B ) Attachment XXXX is the bank statement showing timely payment on XXXXXXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc. (TX)

Called Nelnet asking them for more information regarding letter that was sent to me XXXX XXXX. Manager informed me that it was for XXXX XXXX, I informed the Manager that I never attended that school. I then call student aid and student aid had not information on me about that school. When I looked the school up to call them to get information, the school was closed down due to Fraud.
Consumer complaint received 2022-08-22
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. (NV)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX B XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 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
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FCRA XXXX XXXX has violated my rights. 

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2022-06-02
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (GA)

I am very frustrated and saddened that this keep happening. I been trying to close this card for years and this company would never close it. I don't use this card at all. I recently checked my credit and they put a late payment on my credit that is not correct. They are saying the annual fee of the card caused me to be late. 

I didn't charge this card or purchase anything so a annual fee can not be counted as a late payment. Remind you I been trying to close this account for years. They are taking advantage of me by keeping this card active so I can pay them a fee every year which is fraud. 

they have done this a few years and its a violation of the FCRA. I have never been late because i simply dont use the account and it should be closed.
Consumer complaint received 2019-11-18
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. (NY)

These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX ( Balance ) {$3000.00} Opened : XX/XX/XXXX XXXX ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX XXXX ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX 5 ) XXXX XXXX ( Balance ) {$1800.00} Opened : XX/XX/XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX XXXX 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Opened a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Used it with no issues locally and on a trip to XXXX. Been making XXXX purchases using it all month. Today I tried to use it at Best Buy in my local market using Chip terminal and it declined. I opened the app suspecting a fraud alert and sure enough. They force you to call instead of validating through the apps 2FA style. Phone calls are poor security for social engineering but they choose to do it anyway. Rep places me on a 7 minute hold and then ASKS for a phone number to call back to validate. How would that validate anything if the caller provided it? They should call the number on the account only. So she calls and then " clears '' my account. Try again and it fails. At this point I use my XXXX card to complete the purchase because I can't keep going in circles. After I leave I call Citi back and they say its locked again... Wow. She then hangs up while investigating. Call back again and this time ask to be transferred to general CS and get XXXX. XXXX tries to help but says he can't help validate my account because my credit report is frozen. Well yes it is but there is ZERO need to hit my credit report to validate an account. I decline since he has literally all of my other validating info including card data, security phrase, and they can see I am calling from the number on the account. I ask to cancel and they say they will have to send me snail mail to validate my account to cancel. I want to cancel this card immediately and want my {$450.00} annual fee waived since it hasn't even been a month and they are dragging it out longer. This entire process is unacceptable from validation to usage on chip and pin. What if I was in XXXX? I'd be completely stranded!
Consumer complaint received 2022-06-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LDF Holdings, LLC (CA)

One of Bridge Lending Solutions ' representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XXXX XXXX, 2022 at approximately XXXX XXXX  PST, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX. 

Furthermore, the telephone that Bridge Lending Solutions called was located at the receptionist 's desk. XXXX ( no last name provided ) left a message with the receptionist for me to call them back and disclosed that it was in relation to a debt. 

I know my rights and I know that publicizing a debt by contacting a borrowers employer is considered a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692 et seq. If this happens again, I will be forced to contact the police.
Consumer complaint received 2022-06-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

I XXXX  from XXXX XXXX in XXXX. My student loans were serviced by XXXX. I struggle to pay for my student loans and every time i called i was placed in forbearance. since XXXX I filed bankruptcy in XXXX, had my tax refund withheld because I was so behind in payments and today still owe over XXXX in loans. I finally refinanced my loan privately two years ago so I wouldn't have to deal with them any longer. Of course right after i refinanced then the pause on student loans was enacted and the ability to apply for student loan forgiveness was implemented which know i do not qualify for. I have worked in XXXX  at a XXXX XXXX  for the last XXXX years. I am trying to get information from XXXX about the XXXX Settlement to see if i qualify or what can be done. I call XXXX and they say they aren't handling that and have no information for me and hung up. I went to the website XXXX XXXX XXXXXXXX where it states people entitled will receive a post card in XXXX. well I didn't get it or if i did it was thrown away by accident. They list a phone number XXXX but when you call it, it doesn't give you an option to speak with anyone, just states what's listed on the FAQ page and hangs up on you.
Consumer complaint received 2022-06-02
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

Equifax has placed a fraud hold on my credit report. I have repeatedly sent the requested information to prove my identity to remove the hold. This information has been sent by certified mail, fax and email ( requested by Equifax even though they do not accept documents via email ). I am unable to secure an apartment lease due to this fraud hold and Equifax can not seem to find the documents that they continue to request
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I pulled my report and saw that i had some inquiries on my report that i didnt recognize. I called the creditors and asked to have them deleted, i also wrote letters to both bureaus and nothing was done.
Consumer complaint received 2022-08-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

I bought a XXXX  XXXX in XXXX and financed it through Hyundai Motor Finance. I moved states from XXXX  to XXXX, and requested a state title transfer through their website on XX/XX/XXXX. Their online tracker said " Your request is currently being reviewed. Please allow up to 5 business days. '' and has not moved since, as of today, XX/XX/XXXX. I called customer service on XX/XX/XXXX as the time had passed and I had not heard any updates. They said they would expedite the request and I was sent a secure message on Hyundai Capital America 's secure messaging service with the information I could provide to expedite and that " Upon receipt of the information above, we will send the required documentation to your new state within ten ( 10 ) business days. '' I replied immediately that day with the requested information. The 10th business day would have been XX/XX/XXXX, but they never sent the title to the new DMV. I followed up on XX/XX/XXXX via phone call to Hyundai Motor Finance and they gave me a reference number and told me again that they would expedite the issue and I would have an update within 5 business days, which would have been XX/XX/XXXX. I called again this morning, XX/XX/XXXX, to check the status and was told there are no updates and that the issue has already been escalated, and that there is nothing they can do and I just have to wait. 

In the state of XXXX, you have up to 60 days to transfer your title and registration. We are well beyond halfway to that point and there hasn't been a single update since stating this process, no end in sight. I am able to contact customer service, but it leads to no movement, let alone a resolution. I am concerned that I will be fined or that I will be unable to drive the car I purchased through Hyundai.
Consumer complaint received 2022-08-22
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. (CA)

This is my several times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. My information has been exposed in the Equifax data breach. I also included the Police Report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Consumer complaint received 2022-08-22
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 is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX