davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (CO)

I had a repayment plan with Sallie Mae in which I had auto payment set up with my bank. That payment went out every month with out fail, and as long as I have been with Sallie Mae I had not made a late payment. Well after I graduated, they changed the repayment amount without sending me any notification of the change. I had not worried about the change, as the last documentation I have from them stated that my payment would not change until 6 months after graduation ( with all of my federal loans ). As a result, they marked my accounts as " unpaid '', even though my payment was still being sent ( just not the new amount ). They finally called me in XXXX, and I promptly called them back. The new payment amounts were much more than I could pay, so they worked with me to decrease the interest rate and reduce the payment amount. But, at the same time I called them they reported all of my accounts as " 90 days late ''. The issue with this is that it negatively decreased my credit report causing my revolving accounts to be decreased giving me less options to look for better options than Sallie Mae. On the calls with the people from Sallie Mae, they stated that once I made 3 payments in this new plan, the 90 day late 's would be dropped from my reporting. This was not the case, and it still shows as late. In addition to this, it does not seem right that Sallie Mae can charge higher rates on private student loans, yet they aren't really treated as a private loan ( that could be available for bankruptcy ). I hope that I can continue making the payments to Sallie Mae, although with their negative effects on my credit, and their inability to offer any repayment options like the Federal Loans, I am not sure it is possible.
Consumer complaint received 2019-05-30
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. (UT)

Transunion is in violation of the Fair Credit Reporting Act by incorrectly reporting the XXXX XXXX partial account number XXXX - in the amount of {$4300.00} for two reasons. First this account is over 7 years old from the date of last activity, and Second - this account should have been XXXX out when it was transferred. ( Please see pages 3 and 4 of the attached credit report. ) This incorrect reporting is harming my credit score and this account needs to be either removed from my credit report, or corrected to reflect a {$0.00} balance.
Consumer complaint received 2019-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

My fiance and I are paying off a loan on our vehicle. Our vehicle came with an 18 month, XXXX mile warranty. Our engine blew up and needed to be replaced. Please keep in mind this damage is covered under warranty. I believe this business A ) planned for the engine to fail just outside of the mileage warranty, but because we do so much high way driving, the engine gave in before then. I think Car Hop B ) is GROSSLY mistreating and taking advantage of their customers to save a few bucks. We were first told it would be about a week and a half for our vehicle to be repaired, it has now been 3 weeks. After going to the dealership we were stalled for over an hour and the ONLY thing done was we were told our car would be done by this Wednesday. Please know it is outrageous that this is happening when we have not even had this vehicle for 1 year and are below the mileage warranty as well. The damage is covered under warranty but we are stuck paying out of pocket for the tow, we are required to pay a deductible ( Which was at first and on our contract is XXXX then after going to the dealership for help turned into XXXX ), we are paying almost {$300.00} a week for a car rental, and also still paying almost {$300.00} every 2 weeks for our car payment ... .all for a car that this company knowingly sold us broken and were hoping broke after the warranty once we were stuck in our contract and broken car. Unfortunately, they will be paying for a new engine themselves, as they should for a defective vehicle. But what kind of dealership leaves their customer to pay thousands of dollars? Not to mention, there's 16 HOURS of PTO I was forced to use to ensure I did not get fired, lose  my home, insurance, and car. We then were told we will need to go through this whole process AGAIN paying out of pocket for being car-less ( again while the vehicle is being repaired under warranty ) to have the transmission ( also under warranty ) repaired at a DIFFERENT shop. On top of all of this we are stalled at the dealership and rushed out rudely and couldn't get the sales associate to print our contract.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon trying to finance a vehicle XXXX XXXX denied me and my wife a loan. They sited information from TransUnion, XXXX, and XXXX. The key factors where Serious delinquency, and public record or collection filed. Time since delinquency is too recent or unknown, To many accounts recently opened. Too many inquiries last 12 months. The fair credit act states that the information on any credit report has to be 100 percent verifiable and I take issue with erroneous information on my credit report. This bank has engaged in redlining and that is a federal crime.
Consumer complaint received 2019-05-30
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. (TN)

There are items that are appearing on my credit report that don't belong to me. I have reached out to the different credit reporting agencies and they will not remove them from my credit. I have provided the requested documents and these items still appear on on my credit file. Please help in removing these fraud items.
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I was looking online to purchase a XXXX puppy. On XXXX, a listing came up entitled, " Teacup XXXX  Puppies For Sale - Home XXXX. '' I went to the site and it led me to their XXXX page which displayed puppies being purchased and shipped around the United States. I began a conversation with them ( through Messenger ) and they sent me three photos of 3 different puppies available to purchase. I picked one and asked about shipping the dog to me and she said as soon as I paid they would forward me the tracking information. They provided me their XXXX email and I forwarded {$620.00} to them. I did not hear back anything for several hours ... so I immediately contacted USAA bank to file a dispute and see if they could reverse the money sent. 

I have filed a Complaints with the Internet Crime Center, the FTC, and XXXX. 

I contacted my bank, USAA, on numerous occasions and no one ever contacted me, despite being told several times that someone would call me to discuss this matter.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019, I booked a reservation at the XXXX  airport XXXX XXXX with my Chase Marriott rewards Visa credit card for Tuesday, XX/XX/2019 but it showed the wrong date after booking. I immediately contacted the merchant to advise that they booked the wrong date. Merchant refused to respond. Merchant attempted to charge me for services that were not provided. I provided documentation of this to Chase and they have refuse to remove this invalid charge. Merchant has lied about the dates that were booked. Merchant has refused to respond to me. Chase is now charging me for services that were not rendered. I am being billed {$170.00} for a hotel stay that I never stayed at, and which the merchant booked the wrong date. Sincerely, XXXX XXXX
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ONLINE Information Services, Inc. (OH)

ONLINE COLLECTIONS TO # XXXXXX WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX .I  would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : Equifax : [ XXXX  XXXX XXXX ] [ Account Number : XXXX ]
Consumer complaint received 2019-11-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

Hello, I have an account that was opened in 2010 and, I have paid the account off with the creditors. That XXXX sold my account to and EQUIFAX will not remove the item off of my credit report with that being said its been 9 years truth to be told its suppose to be removed after 7 years I paid the account out. So I need EQUIFAX to treat me with accuracy.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (OK)

XXXX and XXXX Ten fraudulent charges made on my card. Five charges were for XXXX and five charges were XXXX ( foreign transaction fees ). I called the Go Program Card customer service twice to alert them that these are fraudulent charges that I did not make. Both times I was told there is nothing they can do about it until the charges post. This means I have to wait until my money is stolen. They will not stop my money from being stolen. They will not stop the payments from posting even though I have informed them they are fraudulent. This pre-paid card we are forced to use for unemployment is supposedly backed by Master Card ... what good is that is they do not employ the same security and fraud assistance as Master Card? I didnt ask to be laid off and I certainly did not ask for a prepaid card for my unemployment but we arent given a choice. It makes no sense why they would wait for my money to be stolen before taking any action. Any other legitimate card prefers to stop the fraud before damage is done. They never should have authorized the charges in the first place. All financial institutions would flag it after the second identical charge and not allow 10 of them. This Go Gard company is assisting in the theft of my money.
Consumer complaint received 2019-11-13
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)

A joint vehicle loan was paid off on full as a trade in by the XXXX main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

on XX/XX/XXXX I obtained line of credit from XXXX  XXXX XXXX , XXXX, with amount of {$250000.00} with account number # XXXX on XXXX XXXX  XXXX XXXX breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia XXXX XXXX XXXX XXXX, XXXX close that account on XX/XX/XXXX. first third party debt collector SELECTIVE PORTFOLIO SERVICING INC. with same line of credit but with different account number # XXXX ( amount of {$160000.00} XXXX  XXXX XXXX, XXXX closed it on XX/XX/XXXX ) and their account number XXXX I never had any contract with them they never lend me any money and I received a letter dated XX/XX/XXXX threaten me will forclosure scheduled for XX/XX/XXXX. I need your help to prevent more damages to I, my family, and my property.
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berman & Rabin, P.A. (SC)

I received a letter regarding an alleged debt in XX/XX/2019. I responded in writing advising them that I had no knowledge of alleged debt. They again sent another letter dated XX/XX/XXXX giving me " Final Notice '' that unless this debt was paid in full within 10 days they account may be placed with a law firm in my jurisdiction to file suit. 
I responded in writing once again disputing this alleged debt. Today on XX/XX/XXXX I received a voicemail from this company demanding payment for this alleged debt. Now it is clear that they have violated the FDCPA and continuing to collect on a debt without providing any proof or requested validation.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

On Saturday XX/XX/2019 I made an online payment to Synchrony Bank on their website. The minimum payment due was {$190.00}. On Monday XX/XX/2019 I discovered that Syncrony Bank charged my debit card {$2300.00}. I immediately called them to find out about the charge. They informed me that I would receive a refund minus the minimum payment in the mail in 3-4 weeks. On Tuesday XX/XX/2019 I called to follow up ensure the process was initiated. I was again told yes and in 3-4 weeks. I called Syncrony on  XX/XX/2019 to find out what date the check was mailed. After waiting for sometime on hold I was then told oh it was approved right now and will be mailed on XX/XX/2019. It should arrive in 7 days. On Monday possibly but for sure by the XXXX. This is unacceptable amount of time. I have other bills due, other banking issues due to overdrawn account. My credit union told me they will close my account if I do not return the amount of money Sychrony overdrew from my account by XX/XX/2019. 
Syncrony Bank XXXX XXXX XXXX. XXXX mysynchrony.com
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Back in XX/XX/2019 I sent all requested documentation along with income documentation for the opportunity in obtain a loan modification. The documents were sent by certified mail to both the servicer PHH mortgage and XXXX XXXX XXXX, who forward the same information to PHH mortgage corporation as the servicer. The same information sent via email and fax. I then received a letter from PHH acknowledging the documents were in their possession. On XX/XX/2019 I received a letter from PHH indicating to send one most recent pay stub, On that day it was emailed and mailed again Certified mail to all parties. On XX/XX/2019 I called to Follow up and was informed that the request was denied, due to PHH indicated the images of the income were not clear. They denied and set a foreclosure date. I explained to them all the ways that the income was sent and that there must be a communication issue between their departments that needs to obtain these documents for review. Based on all the ways and from different places including their law firm there is no other way the documents can be sent. I ask to have the file escalated to a supervisor for review. Once speaking with the supervisor who after several request to pull up the previous emails that were sent with the same documents. The file was then sent to the underwriter for review. I requested them to postpone the sale date to allow the time for review and appeal if not agreed. Plus not to be charged for the cost of the scheduling of the sale date due to the communication breakdown in terminally at PHH. As the homeowner I have provided in a timely matter all requested documentation and followed up daily with no updates and it seems as if the representative are not informational as to the progress.
Consumer complaint received 2019-11-13
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)

THE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND IT IS CAUSING DAMAGE TO MY CREDIT FILE. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-11-13
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. (OH)

I am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I  would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.
Consumer complaint received 2019-11-13
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)

I applied for a credit card at my bank today XX/XX/19 and I was not approved because there is an account reflecting badly on my credit report. This account is not mine ' I did not open it and i have never given anyone permission to open this account on my behalf. I don't know who this account belongs to nor who could have stolen my personal information to open this account with my personal information but I have already filed a police report. I did not benefit anything such as goods, services or any other benefit from this account and I did not take part in any payments, purchases or any other transaction with this account. I also do not have any contract or relationship with this company.
Consumer complaint received 2019-11-13
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: JPMORGAN CHASE & CO. (PA)

Chase Bank stated I applied for a car loan on XX/XX/XXXX. I did not apply nor sign the agreement as the agreement has no date mail to me by Chase Bank nor is that my signature. I applied for a car loan with XXXX  XXXX XXXX  in which I had a loan already with them and was approved when buying the XXXX XXXX XXXX  on XX/XX/XXXX is the day I applied for credit to purchase the XXXX XXXX XXXX. The document sent to me by Chase Bank where who ever sign my name with no date. as to the contract mailed to me. That is not my signature The contract has the wrong date of birth as the wrong social security number as stated on the as PA does not have drivers lic numbers as stated on that contract. Wrong Social Security Number Wrong date of Birth.Only thing right is the las 4 numbers of my social security number all date of birth driver lic is all wrong and not me.