davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (NC)

I XXXX to XXXX XXXX between XXXX. Made several attempts to make a payment at the local XXXX  and was informed that unlike our Exchanges/Expresses in the U.S., a military star card will absolutely be needed in order to make a payment. Without a card, their information can not be looked up in the system. I was also told they couldnt call or contact AAFES from the local XXXX in XXXX. Unfortunately, there was very minimal communication capabilities due to location/security reasons and after these attempts I had no other option but to place on hold until my return stateside. Upon my arrival to the states I sent certified mail, called, emailed and sent fax ( to : XXXX ) -- -email to submit my orders and proof of service location at the time my account went delinquent. At the end of XXXX, near beginning of XXXX, I called in and was placed on an auto pay of XXXX per month that did not cover the complete bill amount. She believes it to be around XXXX monthly minimum at time of the auto pay. I had no late payments prior to deployment and have made several attempts to correct the companies reporting on my account. I was told initially that the late payments would be removed when I called and spoke with with customer service but that has yet to happen. Then i was told repeatedly ignored by the credit disputes department. Now even after showing proof to credit disputes department they keep refusing. In accordance with Congress Legislation S.1249 this violated my rights as an XXXX XXXX XXXX. No late notices or letters were sent to my chain of command which is a must whenever a XXXX is delinquent. Also unbeknownst to me during the deployment because I didn't have access to look up my les during my deployment, I show that monies were deducted from my check which legally according to FCRA brought my account to current status. But some of the payments doesn't show as paid they still show as delinquent to this day. So they failed to properly report even those payments which resulted in years of excessive late payments because someone didn't properly report my automatic XXXX drafts that I had no knowledge of. AAFES is sgowing me that no matter my sacrfice to this Country that during such a rough deployment at no fault of my own refuses to make the proper adjustment to those late payments. Again this violates the Congress Legislation S.1249. According to aafes deployed XXXX  are not required to make monthly payments while deployed and the interest will not exceed 6 %. My time in XXXX was considered a deployment  not a XXXX. It is on my XXXX as deployment and has and always been considered a deployment.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with Transunion, XXXX, and XXXX. 

I have asked Transunion, XXXX, and XXXX  whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying Transunion, XXXX, and XXXX. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to the FCRA I was suppose to receive notifications of an account been added back to my credit report after it has been deleted. I have serval accounts with XXXX XXXX that was deleted and I was not notified of the reinsertion on my credit report which is against the law.
Consumer complaint received 2018-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Finance (OH)

XXXX XXXX XXXX XXXX XXXX  sent me a XXXX ( cancellation of debt ) post marked on XX/XX/XXXX. 

Per Federal Guidelines : These reports are due XX/XX/XXXX, for XXXX payroll taxes, including annual wage and tax reports, unemployment tax reports, and Form XXXX ( the quarterly payroll tax report ). 

XXXX forms and XXXX forms, to employees and non-employees. 

By XX/XX/XXXX, annual wage and tax reports must be given to employees and independent contractors who did work for you in XXXX. That's XXXX for employees and XXXX forms for contract workers and outside businesses you made payments to. If you aren't sure whether to send a XXXX to someone, check this article about who must receive a XXXX. 

While tax season doesn't begin until XX/XX/XXXX for personal tax returns, including small business tax filing on XXXX XXXX for small businesses, some people like to get an early start on tax preparation, so the sooner you can get these forms out, the better. 

XXXX Forms to SSA and XXXX forms to IRS Submit transmittal forms for XXXX to the Social Security Administration by XX/XX/XXXX. That's Form XXXX, along with all XXXX and Form XXXX, along with all XXXX forms. This deadline includes forms filed electronically. 
Submit transmittal forms for XXXX to the IRS by XX/XX/XXXX. 

A complaint has also been filed with the Ohio Attorney Generals Office, and Ohio Civil Service Office due to other illegal practices this company has committed. A separate complaint will be filed to the CFPB that describes the illegal behavior.
Consumer complaint received 2018-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MD)

Hi, I applied for a Federal Student Loan after transferring schools this semester. When I applied, I was denied because I was in default on a prior loan. I had no notice of the default until after I was unable to get any student loan. I never received notice that I was supposed to begin paying a loan or even close to being in default on a loan. Had I known that I was close to being in default or missed payments, I would have handled this situation before going into default. I had a federal loan through Nelnet. They hired a debt collector, called XXXX XXXX XXXX. I was told to speak with the debt collector since they are now handling the loan. I have called numerous times for the past two weeks, and have never been able to speak with them. I left voicemails, emails, called again and again. Nelnet never notified me that I had missed payments, or that there was anything I could do. Instead, I found out about this situation when I was unable to obtain a loan for school. It is my understanding after speaking to Nelnet that my loans were no longer deferred because I did not meet the half time student requirement, but I was never notified of that. I am a full time student again, unable to get any loans for school, unable to speak to the debt collector because they won't respond. I have tried everything else to try to handle this, I understand a default ruins credit and I do not want that. I also am unable to get any more loans for school and don't know what to do. 

Thank you, XXXX XXXX
Consumer complaint received 2018-02-12
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AES/PHEAA (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to XXXX XXXX as soon as XX/XX/XXXX to be place in a Forbearance. XXXX XXXX  failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Account number : XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX XXXX XXXX  120-149 days Late XX/XX/XXXX XXXX XXXX XXXX days Late XX/XX/XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX 2017
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX, I paid a bill on my XXXX 's credit card early using my bank account. I also had autopay active from a different credit union account. Although XXXX 's autopay says that autopay will be adjusted not to exceed the statement balance, they nonetheless tried on XX/XX/XXXX to debit my credit union for the amount of the bill that I had already paid and owed nothing on. My credit union account did not ( nor did it need to ) have the funds needed to pay this non-owed amount, so I was charged both a {$27.00} fee by XXXX 's and three separate {$25.00} fees by my credit union. These fees were the fault of the XXXX  's credit card for billing me twice for the same bill. When I complained to XXXX 's on XX/XX/XXXX, they refunded my {$27.00} fee. It was only later that I discovered the {$75.00} in credit union fees XXXX 's had caused to be incurred, so I complained about these in another message dated XX/XX/XXXX. I was asked on XX/XX/XXXX to mail or fax them a copy of my credit union statement to request a refund. I did so. When I found no change had been made, I contacted them again on XX/XX/XXXX and asked for an update. They informed me that my request had been denied because they " do not refund overdraft fees '' ( although the fees in question were in fact return charges, not overdraft fees ). When I reminded XXXX 's that the fees were entirely their fault due to their mistaken billing of my account, they provided no assistance. The point of all this is that XXXX 's is at fault for billing my account mistakenly and causing fees to be charged to me and they will not make it right. Furthermore, if they were not going to help with this, they ought not to have requested that I waste time and postage mailing them a credit card statement that they were just going to throw away.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Lender Inc (TX)

I recently paid off an account with Self Lender ( XXXX XXXX XXXX ). They are reporting my payment from XX/XX/XXXX as late but it was made early as I made 2 payments on XX/XX/XXXX, and another on XX/XX/XXXX.

Shortly after I paid on XX/XX/XXXX, my online account reflected that XX/XX/XXXX was " Paid early. '' When I paid again in XX/XX/XXXX, I assumed it would be applied to XX/XX/XXXX payment.

I have requested a goodwill late payment removal of this payment on account of my typically paying early on this account, but after review of my original loan documents, there is nothing there barring early payments. The documents do not state that early payments do not count toward the next month 's payment. The terms state that : " I may pay without penalty all or a portion of the amount owed earlier than it is due.

Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. '' If early payments aren't applied toward the next month 's payment, I don't understand why my online account reflected that XX/XX/XXXX was " Paid early '' after my 2 payments in XX/XX/XXXX. I also don't understand why the account agreement doesn't state " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule '' versus " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. ''
Consumer complaint received 2018-02-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (AZ)

Back in XX/XX/XXXX I got contacted by US Student Aid supposedly saying that they were calling from US Department of Education to help me forgive my loan due to my school ( XXXX XXXX XXXX ) being closed and sued for misleading students and unfilled promises. I proceeded with the application process and paid them a fee for them to complete and submit my application. They told me I got approved for loan forgiveness. Recently I tried to apply for a personal loan and I found out that I had severe delinquency w/my student loan that was supposed forgiven. I immediately contacted them and found out they have been sued by the US Federal trade commission for scam and fraud on XX/XX/XXXX. I learned that my loan approved and forgiven was transferred to XXXX XXXX XXXX   that I owe money and accrued interest ( from XX/XX/XXXX to current ) on my student loan. 

I've asked XXXX XXXX XXXX to stop the delinquency, but they're not able to help me with my credit issue until my claim is resolved.
Consumer complaint received 2018-02-11
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: EQUIFAX, INC. (IL)

Equifax is reporting an account from XXXX XXXX XXXX that is in my father-in-laws name on both my wives and my credit report. This has been going on for over the course of 5 1/2 years that we have known about. We have sent multiple request to them through the course of this time along with letters from XXXX XXXX XXXX XXXX stating that neither of us are on this account. The most recent of these communications to Equifax was XX/XX/XXXX when we were in the process of refinancing our home. We were told that is was resolved and never heard anything back, but then on XX/XX/XXXX we were told that this account is still reporting under my name. 

This account continuing to report on my credit report from Equifax has prevented me from being able to obtain credit as we are trying to get a home equity loan.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in  pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
Consumer complaint received 2018-07-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (SC)

LETTER TO COLLECTION COMPANY DESCRIBING SITUATION : Dear XXXX XXXX XXXX , XXXX : This is to serve as formal dispute of charges on Original Account # XXXX with BMW Financial Services NA LLC and your Account # XXXX regarding an Automotive Deficiency in the amount of {$14000.00}. This account is invalid, and this is a formal demand that said account be voided and closed with report of illegitimate debt to all credit bureaus effective immediately. BMW Financial Services NA LLC ( henceforth BMW Financial ) negligently handled said account and caused XXXX XXXX XXXX XXXX hardship during the attempted sale of her lease as well as refused to cooperate with XXXX XXXX in her attempts to satisfy the debt therein. XXXX XXXX attempted on multiple occasions to sell the lease on said account through various costly means from her own funds. XXXX XXXX had on numerous occasions contacted BMW Financial to obtain assistance in sending vital documents to the purchaser of said lease account, three separate purchasers, and encountered costly delays as well as poor customer service on part of BMW Financial. This negligent handling of the transactional process cost XXXX XXXX the sale of said lease account on each occasion due to the purchasers not trusting the process. XXXX XXXX was completely cooperative with BMW Financial through consistent communication and follow up. XXXX XXXX, upon seeing that BMW Financial would not assist her in any professional manner regardless of how many attempts she would make to sell said lease account to satisfy her debt with BMW Financial, felt bullied and trapped by BMW Financial ; and therefore, XXXX XXXX turned the vehicle attached to said lease account in at a local BMW dealer as advised by BMW Financial. BMW Financial was only cooperative with XXXX XXXX at that time when they advised her how to turn in said vehicle. This process on the part of BMW Financial led XXXX XXXX to believe they wanted to trap her into doing same. XXXX XXXX cleaned and detailed said vehicle at her own cost and transacted the return with courtesy and professionalism, which was completely opposite of anything she had encountered with BMW Financial. The debt being discussed herein would have easily been satisfied had BMW Financial cooperated with XXXX XXXX on her numerous attempts to satisfy said debt with BMW Financial. BMW Financial should be ashamed of the way BMW Financial representatives negligently handled XXXX XXXX account, continued to harass her through attempts to collect on this illegitimate debt, and smeared her reputation with said potential purchasers and other known associates of XXXX XXXX causing her punitive stress and damages. XXXX XXXX will be forced to take further action with the XXXX XXXX XXXX, social media outlets, news media outlets, as well as legal action if BMW Financial does not void and close any and all attempts to collect on said account as discussed above. 

Signed,
Consumer complaint received 2018-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hi, I have been monitoring my credit scores with Transunion and XXXX. I have some derogatory credit history ( including a settled judgement ) caused by periods of unemployment. Consequently, I am not able to get much of a credit line. However, I am maintaining a credit card account with XXXX XXXX. I have a {$500.00} line of credit with this card and use it frequently for small purchases. I often use nearly all of the available credit. Then, I make a payment of typically $ XXXX dollars well in advance of the due date. My credit sources inform me that both Transuion and XXXX have lowered my credit score because I used nearly all of the available balance. My question is this : If my score can be lowered for using nearly all of my balance, why do I not earn points for paying ten times the minimum and paying it two to three weeks in advance of the due date? This is clearly an unfair business practice and, I believe, grounds for a federal lawsuit for defamation. 

XXXX XXXX
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have contacted CapitalOne customer service several times in the past several weeks from XX/XX/XXXX to current date. The company mentioned in my last chat session with XXXX XXXX that some customers did receive the end of year statement but I'm just one of the unfortunate that have not. All tax documents are to be completed and mailed by XX/XX/XXXX with mine still not processed or mail.
Consumer complaint received 2018-02-12
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: CORELOGIC INC (OK)

CREDCO, XXXX XXXX, CA XXXX ( XXXX ) XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credco made inquiries on my credit report and my wife 's credit report without our knowledge or consent on the above dates. They did have our consent for an inquiry on XX/XX/XXXX but that was the only time. Myself and my wife did not give them permission to make an inquiry on our credit reports after XX/XX/XXXX which was for a loan for a travel trailer from XXXX XXXX in XXXX XXXX. These unauthorized inquiries have hurt our credit scores. Inquiries from XX/XX/XXXX and XX/XX/XXXX show telephone number ( XXXX ) XXXX. Inquiries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have telephone number of ( XXXX ) XXXX. Please help in any way you can to get these inquiries off of our credit reports as soon as possible.