davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (FL)

Well I had many problem with this Company starting in XX/XX/2020. The finance company decide to shut down the web-site. We  could not make our payment in time. Our payment is due every month on the XXXX of each month. The web-site was down from the XX/XX/2020 until XX/XX/2020. But we went on vacation from the XX/XX/2020 until XX/XX/2020 so soon we got back i paid my XXXX cents. But the finance company still charge us XXXX dollar late fee. Even there knew that this company did wrong. charge us late fee it was them to decide to shut down the web-service. But anyway in XX/XX/2020 we paid the finance company XXXX and in XXXX we paid XXXX this month we paid only XXXX even our payment is only XXXX a month. Through the corona-virus the situation even got worst. The company offer a 120 days payment delay what would be terrible you still own all the finance charges in my case by 16.78 % I would own XXXX just on finances. It would take me just 4 month to pay for all finance charges. The other is I use 5 different Auto loan software to calculate my loan. Loan amount is XXXX by 16.78 % and 72 payments every loan give me XXXX. How did ally Financial figure XXXX. It is my believe that this amount is incorrect and it should be XXXX.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$510.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-03-09
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B CHILD SUPP   XXXX B CHILDSUPPORT XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX XXXX B XXXX XXXX XXXX B US DEPT VETS  XXXX B US DEPT VETS  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX
Consumer complaint received 2020-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS FOUGHT TO MAINTAIN A GOOD CREDIT SCORE BECAUSE I UNDERSTAND THE IMPORTANCE OF HAVING GOOD CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-02-11
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. (MI)

I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. XXXX  XXXX XXXX has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. XXXX and XXXX  have fixed some of them but TransUnion has not fixed any of the errors.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CT)

I made a transfer balance from US Bank Elan Financial to the my XXXX credit card.After transfer, Elan Bank added to my account {$3.00} interest and on the same day they charged me for late fee $ XXXX.They refused to refund {$29.00}.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CO)

After paying TIAA {$300.00} for an appraisal on my home in XX/XX/XXXX I called and asked to have an electronic copy emailed to me. They confirmed my email address and told me I would received the document within the hour. It never came. I scanned the hard copy myself and moved on. 

On XX/XX/XXXX I called to ask for a copy of my most recent statement as I was unable to access it through their online banking system and they have never sent them to me via mail. I was told the statement would be emailed within 30-60 minutes and it never came. I was also told my online banking would be corrected to allow me to access my statements online. That never happened either. 

On XX/XX/XXXX I called back to request a copy of my statement. I again verified my email and was again told it would come to me within 30-60 minutes and it never came. I am still unable to access my statements online or via email. 

I need these statements to prove eligibility for sliding scale healthcare and a home refinance. I am not receiving them via the USPS, email, or online access. After 3+ hours spent on the phone with TIAA I still do not have a copy of my mortgage statement.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was a victim of identity theft due to a data breach with XXXX in XXXX. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX XXXX   XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX   XXXX In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX I have attached my necessary law enforcement documents. Please have fraudulent items removes from my credit file immediately.
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I attempted dispute a charge of XXXX to my credit card account on XX/XX/year>. The charge is in error because the debt was XXXX by a representative of Synchrony Bank on XX/XX/year>. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Synchrony sent me a letter that was not responsive to my dispute and refuses to remove the charge and related fees and interest.
Consumer complaint received 2020-02-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (OH)

lease term terminated on XX/XX/XXXX and car was returned on XXXX.Final payment was made on XX/XX/XXXX. US Bank took another payment out of my bank account on XX/XX/XXXX. This must be illegal. On XX/XX/XXXX they told me they would mail me a refund. I asked them to electronically credit my bank account but they said they can not do that. They now tell me that check was mailed to me on XX/XX/XXXX but i have not received it. They say it can take 14 business days after they mail it. They offered to stop payment and issue another check but that process would take up to 24 business days. this would mean I might get refund over 2 months after they illegally took my money.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear CFPB & EXPERIAN, I am writing to formally dispute the presence of inaccurate names and addresses listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e and 15 U.S.C. 1681i, I have the right to request the removal of incorrect information from my credit file. 

The following incorrect names and addresses are present on my credit report : False Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX False Names : XXXX XXXX XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX, and my correct address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. The incorrect names and addresses are not associated with me, and their presence on my report is negatively impacting my credit profile. 

I request that you investigate this matter promptly and remove these inaccuracies from my credit report. Please confirm the removal of this false information in writing, and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your immediate attention to this issue. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/XXXX - I have disputed the BK  XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.
Consumer complaint received 2020-02-11
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. (NJ)

XXXX XXXX XXXX I have recieved the results of an investigation that an item was deleted from my credit report. However, I recently viewed my report online and the item is still being reported.
Consumer complaint received 2020-02-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (FL)

My loan was refinanced and paid off with PNC Bank in XXXX. They did not properly release the electronic lien to the State Of  Florida so that I could update to my new lender. When I found out I was defaulting on my loan with my finance company due to this, I immediately called PNC Bank. This was on XX/XX/XXXX. They said there was an error on their end and it would be fixed within a week. It is now XX/XX/XXXX and the error is still not fixed and I am defaulting on my new loan.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc. (SC)

XX/XX/2006 the consumer report is reporting outdated negative information. More than 7 years old. I was unaware of that charge until this year and I never had a problem with my background check. I don't understand this company Sterling Talent Solutions Keep reporting this problem. Which is hindering mean from employment. I'm understanding This was tried in my absence and I was not aware of this.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Fifth Third representative today told me it will take TWELVE DAYS to clear {$1000.00} of a {$6000.00} deposit I made using a check from my husband 's account at a local bank. 

According to the representative, " it's the computer, '' and this delay arises because I used the bank 's phone app to make the deposit. Nowhere in the verbiage for this app is there any language saying the bank will keep {$1000.00} of my money hostage at its sole discretion because I used a product it owns and sanctions. 

I had planned on using this money to pay off a credit card. Since I now can not access the full amount, I'll have to pay interest to a credit card company ( no ) thanks to Fifth Third 's failure, again, to provide adequate notice and service to its customers.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I informed the Navy banking that I will have a direct deposit going into my Savings account to pay off the loans every two weeks and they are still harassing me. They are calling my job harassing my associates and I have inform them not to call my job.
Consumer complaint received 2020-02-11
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: Transcontinental Credit & Collection Corp (FL)

I lost a XXXX  last XX/XX/XXXX and went to XXXX XXXX  in XXXX. I was told it would be XXXX for all the work to be done. I will admit I was in pain and not paying complete attention. I had XXXX XXXX  XXXX   a XXXX XXXX and I have a XXXX XXXXXXXX XXXX XXXX. I have been calling since XX/XX/XXXX asking for a detailed bill. I have yet to receive that or a call and now I am getting late payments on my credit report. I want a detailed bill. I feel ripped off and now Im really angry this has taken too long!
Consumer complaint received 2019-04-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NJ)

TO GET TO THE POINT, THIS SCHOOL WAS CLOSED DOWN IN 2015 BEFORE I CAN EVEN START EXTERNSHIPS. BECAUSE OF THE SCHOOLS REPUTATION AS WELL AS THE SCAMMING THAT WAS GOING IN I STILL CANT GET A JOB FOR WHAT I WAS SUPPOSED TO B GETTING A DEGREE IN. NOW I HAVE THESE LOANS THAT I CAN NOT PAY BACK AND HAS HAD MY WAGES GARNISHED AS WELL AS NIT MY STATE AND FEDERAL RETURNS HAVE BEEN TAKEN FOR THE LAST 2 YEARS. THEY GAVE US THE HOPES THAT AS LONG AS WE KEEP OUR GPA TO THERE SPECIFIC STANDARDS WE WONT HAVE TO PAY BACK LOANS AS WELL AS A STIPEND OF 400 EVERY 2 WEEKS AS LONG AS WE RECEIVED AN A OR B GRADES BIWEEKLY. SO FROM MY UNDERSTANDING THEY TOOK OUR LOANS THAT SHOULD HAVE BEEN GIVEN TO US AND GAVE US WHAT THEY AND AND KEPT THE REST. VERY UNPROFESSIONAL IS WHAT THIS IS. I AM NOT THE ONLY ONE WHO IS GOING THRU THIS RIGHT NOW. THEY EVEN ARE TRYING TO SUE THE STUDENTS.
Consumer complaint received 2020-01-18
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-01-18
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. (OH)

I am writing this complaint over an inaccurate late payment. I was protected under the Civil Relief Act. XXXX XXXX XXXX  XXXX XXXX  # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX  # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a XXXX.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Inquiry : XXXX XXXX XX/XX/2018 Not my account delete it immediately Account : XXXX XXXX XXXX    XXXX**** Not my account delete it immediately Account : XXXX XXXX XXXX XXXX**** Not my account delete it immediately Account : XXXX XXXX XXXX**** Inquiry : XXXX XXXX XX/XX/2018 This account is not mine delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX**** This account is not mine delete it immediately Account : XXXX XXXX XXXX**** This account is not mine delete it immediately Account : XXXX/XXXX  XXXX**** This account is not mine delete it immediately Account : XXXX  XXXX  XXXX****