davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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: Kikoff Inc. (IA)

In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-16
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. (OH)

On XXXX i called experian to unfreeze mycredit agent send id, s.s, writtenon XXXXXXXX  i when to postaloffice and paid XXXX dollar XXXX  over night so that the documents be there ton XXXXXXXX  i call XXXX agent the i wanted to unfreeze my credit i send my documents over night i when postal service send through XXXX  agent i wanted unfreeze my credit agent ok til when XXXXXXXX  agent it's lifted i called a company is with apt to check it wasn't they call me back and it was still freezen to call experian back try it again XXXXXXXX  the regal office talk to XXXX  told all that haven than XXXX this should've been off your credit but what did took off sold it to XXXX XXXX and XXXX XXXXput back on your credit report XXXX call XXXX  ok thank you
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

My car was being repaired, the parts were on back order for months and I was paying month to month on an extended lease. I decided to end the lease and turn the car in. I contacted XXXX XXXX at La XXXX XXXX and tell him of the situation, he told me he would get the car from the La XXXX body shop, so I took the insurance check to the body shop and talked with the manager and told him of the situation. He told me that GM doesnt want the car until it has been repaired and he would contact GM and the dealer that I was ending the lease, so I gave him the keys and walked away thinking it was taken care of. 
I received a call from GM financial in XXXX, asking about the XXXX XXXX that I turned in. I explained the whole situation to her, she said she would contact the body shop to clear it up. This happened in XXXX, XXXX and I think in XXXX, I asked the last caller if she can see the previous calls and she said she could, I then asked why this hasnt been taken care of? She told me she would. 
Fast forward to last week when I was purchasing a XXXX XXXX XXXX and couldnt get a loan below XXXX  % and was told by the finance manager that I have 4 flags on my credit rating from GM for non payment and most banks wouldnt touch my loan. Before this my credit number was XXXX or above. I called GM Financial and they told me it was my fault and that I should have contacted them, I explained to her about the body shop managers promise to contact them, after awhile she said they would open an investigation, also that I had to write a letter to them explaining everything and it could take 60 to 90 days to get an answer. I dont want to wait that long to fix something that should not have happened in the first place
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC (NC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-05-16
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. (FL)

I recently reached out to XXXX found errors on XXXX pertaining to my report that is incorrect do to the law 15U.S.C 1681. I demand to see proof and the original contract with my signature.XXXX  failed to positively verify these accounts & has hurt my ability to obtain credit.. under FCRA UNVERIFIED accounts must be REMOVED if unable to provide me a copy of verifiable proof! WITHOUT a copy of the original contract with my wet signature.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (MD)

i put a check into my account on XXXX XXXX,2016 i made a few purchases all the amount is accounted for yet Suntrust Bank still charged me XXXX over draft fees every time i put money in there they hold the money extra long then charge me a fee even if when i had not over drawn this is a copy of my statement pay close attention to the dates and how they take the money XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX NY - {$14.00} XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX CA - {$16.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$110.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$50.00} XXXX POINT OF SALE DEBIT XXXX - {$7.00} XXXX POINT OF SALE DEBIT XXXX XXXX - {$9.00} XXXX POINT OF SALE DEBIT XXXX - {$20.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$16.00} XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$9.00} XXXX XXXX XXXX - {$36.00} XXXX DEPOSIT {$400.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$130.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$200.00} XXXX CHECK CARD PURCHASE XXXX XXXX CA - {$160.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX MD - {$14.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX # XXXX XXXX MD - {$58.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$7.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$17.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX - {$10.00} XXXX ATM DEPOSIT {$230.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$15.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$10.00} XXXX ATM CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX MD - {$80.00}
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (NC)

Regions/Enerbank USA- is showing a late payment on my credit history. I Initially setup an ACH draft to pay this installment and have made over 20 successful payments. I recently was made aware that this account was reporting late to the credit bureaus. I never authorize this ach to stop, never contacted my financial institution to stop. When I contacted Regions/Enerbank USA I was informed that I selected to have the payments stop when I signed up which I did not do. The company says there is nothing that they could do. This not acceptable for me as I am business owner, and my credit history is extremely important. Once I learned my payments had stopped, I paid the account in full. I need this late payment removed from my credit history. But the company is unwilling to work with me and saying it is my mistake, but I do not agree and believe it was a system error on their end. The company said they tried to contact me but their info shows up as spam via mail and phone. As when I saw the attempt to reach out once look into my spam folder to validate.
Consumer complaint received 2023-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (AL)

I filed a complaint against Firstmark services regarding my private student loans earlier this year. In effect, they did absolutely nothing to help me with loan repayment. The only change has been an increase in my monthly payments. If this continues, I will have to start choosing between eating and making timely loan payments. Furthermore, since Firstmark took over my loans in 2022, my total balance has decreased by less than {$1000.00}. The majority of my monthly payments is applied to interest. This can be seen in my payment history attachment ( I redacted personal details ). Right now, I bring home less than {$45000.00} annually ; I live paycheck to paycheck. The company 's initial response to me was tone deaf, at best. Something must be done about the predatory nature of private student loans.
Consumer complaint received 2024-10-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (NC)

Hi, my dad paid cash for his and my mom 's home in XXXX. He took out a loan for {$45000.00} in XX/XX/XXXX and he is the only one that signed the Note. My dad was paying the loan until he passed away in XXXX. My mom then started making the payments on the loan. Over the years, the loan went to several companies ( from XXXX to XXXX, from XXXX to XXXX, from XXXX to XXXX XXXX, from XXXX XXXX to XXXX XXXX from XXXX XXXX to XXXX. When XXXX had the loan in XXXX the " house '' went into Foreclosure. Mom spoke to an attorney and the case was dismissed. The house which is a mobile home has a title. There are no liens on the tittle for the house that is registered with the DMV. In XXXX, XXXX talked to my mom and they had my mom to sign a loan modification. In XXXX, mom was paying XXXX through draft but it stopped in mid XXXX. XXXX wanted mom to send in paper work and for her to sign documents, but she wouldn't do it. They no longer took the payments and that's when the foreclosure threats began, so she got an attorney. We went to court a few times this year and each time it was continued. The Attorney received a response from the lender and the letter states that this loan is a XXXX month loan term which my mom didn't know anything about, she was older and believed what they had said. After 20 years, the principal amount is showing {$49000.00}. My Mom passed away XX/XX/XXXX due to illness. On XXXX XXXX, XXXX, the judge signed for the foreclosure. I paid the attorney {$250.00} to get it appealed. We will be going to Superior Court for the same thing that got dismissed before. This has brought so much stress, XXXX and XXXX.
Consumer complaint received 2023-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I contracted Bank of America ( BOA ) multiple times in writing and over the phone regarding being overcharged by XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored my attempts to resolve the issue. I tried in person while on site, over the internet, via email and via phone. 
The merchant overcharged me by XXXX XXXX for renting a car in XXXX. I was quoted XXXX XXXX for an intermediate SUV and ended up with a compact car for XXXX XXXX for 3 days. I opened a dispute with BOA in XX/XX/XXXX. I had multiple dispute claims opened over the following 7 months. The number of the last dispute is XXXX. BOA denied my claim based on the information from the merchant. XXXX 's response to BOA shows the daily charge and all of the fees and taxes applied to it, but there is no explanation why the charge is all of the sudden much higher even though the gave me a lower vehicle class. XXXX 's response to BOA has errors but BOA failed to catch it before denying my claim. Here is an excerpt from merchant 's response : " Amount : XXXX USD '', ... '' Transaction Amount : XXXX USD '', ... and " confirm that disputed charges of XXXXare legitimate '' ( see the page 4 of attached BOA Last XXXX XXXX XXXX ). BOA decided to deny my claim based on XXXX XXXX XXXX XXXX very sloppy response. BOA refused to ask the merchant to explain the base for the daily rate before the taxes and fees and didnt care about the mistakes in merchants response ( correct value of the transaction in XXXX and XXXX dollars ). If the merchant is not punctual in their response to financial institution, how can I be sure they charged me the correct amount? Last time I spoke to Bank of America representative was on XX/XX/XXXX and from their point of view the claim is closed. I pointed out the discrepancies and inaccuracies in merchants response and the fact they didnt address the daily base charge but BOA refused to reopen the claim.
Consumer complaint received 2017-06-13
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: EQUIFAX, INC. (GA)

Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  2017 , I disputed my bankruptcy that is being reported on my Equifa x Credit File and  it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  2017 , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  2017  stating the FCRA regulation for Section   623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified be  cause of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 ) I submit ted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,    2017  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Equifax they informed me everything was verified and accurate on both  Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged and the Lien. I do n't understand how they were verified when noone at the courts verified a nd there is a Security Freeze in place.     I have attached all documentation showing such information.
Consumer complaint received 2023-05-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Once again, after successfully paying my new modification for the past 2 years, Bank of America send me a statement increasing my payment from {$380.00} ( principle and interest ) to {$620.00} ( escrow flood insurance ) As in the past 5 complaints Bank of America, intends to alter the terms of the contract I have with them. XXXX XXXX XXXX XXXX Regulatory Complaints Department XXXX XXXX Bank of America ) and I have worked together for the past 10 years trying to get my modification on terms we all could agree on. We finally agreed NO ESCROW just principle and interest. We did 3 trial payments, we signed all the paperwork and I have been paying faithfully for the past 2 years. It was agreed a 40 year modification at 2.75 % {$380.00}. I pay my own insurance and taxes. XXXX XXXX did say if I defaulted on my payment, they may have to add escrow in to the loan. I have NOT defaulted!! I just got notice from Bank Of America that they expect me to now pay {$620.00}. I did not agree to that and I can not pay that amount monthly. I pay my flood insurance yearly ain XXXX and I intend fully to continue to do so. I will be paying bank of America my agreed upon payment and nothing more. I have tried several times to reach XXXX XXXX and he does not return my calls. i have tried to come to terms with customer service and the insurance dept. and they keep switching me back and forth and are not trying to make a resolution with me. I am sure once you enter a contract with someone, you can not change the terms 2 years later. Hopefully, we can work this out without having to get an attorney involved. Bank of America is making it difficult to speak with someone with authority to help me. Thank you for anything you may be able to do to help me at this time. XXXX XXXX
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (OH)

I am also reaching out to rectify an ongoing issue that I am facing, and needed assistance on this matter. Santander Consumer USA recently reported two late payments on my account for XXXX and XXXX of 2022. However, this information is completely inaccurate. In fact, I made several payments in advance back in XXXX, which covered my payments through XXXX. Additionally, it is concerning that this reporting was made almost a year later. I have been in contact with several representatives from Santander, who all acknowledge that there is an issue, but the credit department refuses to correct their decision. Today, I spoke with another representative who agreed that this is an inaccurate reporting, but unfortunately lacks the authority to make the necessary changes.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (AZ)

I paid this credit card off in full prior to the due date of XX/XX/23 in the amount of XXXX stated on my statement minimum pay was XXXX. I recieved another bill after in the amount of XXXX due on XX/XX/23 and they are calling my cell not 3 times a day to collect this fictitious amount
Consumer complaint received 2023-05-16
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: NAVY FEDERAL CREDIT UNION (PA)

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Navy Federal Credit Union is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. 
This is a notice sent as per the Fair Credit Reporting Act ( F.C.R.A ) 15 U.S.C. 1681A ( D ) ( 2 ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2017-06-13
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: Experian Information Solutions Inc. (AZ)

To Whom  It May  Concern My Name is  XXXX   XXXX   XXXX  my complaint is with  XXXX   XXXX   XXXX  Mortgag e is two p arts, credit reporting to the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan with  XXXX   XXXX   XXXX  Mortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with   XXXX    XXXX . we were told by the person handling the modification process with  XXXX   XXXX , that for us to qualify for the modification, we had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacted  XXXX   XXXX   about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
Consumer complaint received 2023-05-16
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.