davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I took out an auto loan with Chrysler Capital in XXXX. There was a civil matter between myself and Chrysler that started in XXXX. I believed I had satisfied the loan back then and unbeknownst to me at the time, apparently Chrysler did not. As time went by, I realized that Chrysler was reporting the loan account as a " charged off '' account. I tried to work with Chrysler years ago to have them report the account as satisfied but nothing was resolved. I also tried to dispute the account accuracy with the credit bureaus with no luck as Chrysler was not reporting accurately to them. 

After becoming completely XXXX and suffering a XXXX a few years ago I just let it go for awhile. Now, it is over 7 years since this account was closed and I just wanted it deleted from my credit report. The past couple years the account was not even being reported at all to the credit bureaus by Chrysler. 

So just recently I disputed it with XXXX XXXX stating it was an old account that should be deleted. When I got the " investigation '' result, XXXX XXXX said that Chrysler told them it was a current open account that was a charge off and because of this my score dropped XXXX points! What!!!! My score drops XXXX points because of a dispute and unlawful inaccurate reporting by Chrysler to the bureaus?? By legal definition a charged off account is a closed account and Chrysler hadn't even reported anything to the bureaus for a couple years and now as I dispute it to get it deleted, Chrysler says it's open???? And a charge off at the same time???? On an account that has been closed for over 7 years???? 

Can you please help me correct this unfortunate situation and make Chrysler follow the law with accurate reporting and helping me get this old account deleted from the credit bureaus. Thank you so much for your assistance in this matter. 

By the way, I also included XXXX XXXX in the complaint but their hands have been tied because of the unlawful and inaccurate reporting to them by Chrysler. They are just doing their job so I have no issue with them. I just needed to include them so You would understand the situation and how it's reflecting my credit score.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (CO)

XXXX balance was due XX/XX/XXXX. 

The balance was initiated on XX/XX/XXXX, but Grain didnt initiate it until XX/XX/XXXX. According to the emailed screenshot of the payment confirmation it was paid on XX/XX/XXXX, through the bank account checking/routing system. 

The payment was reported 30 days late to the Credit Agencies- it is not my fault that I paid it on the due date ( according to the email screenshot confirmation date ) but the company didnt initiate it until the day after. 

This is falsely and inaccurately reporting. 

This payment needs to be updated to Paid on time/current and sent to the agencies to update.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

On XX/XX/19, PNC Bank incorrectly charged my checking account {$100.00} in overdraft fees ( 3 fees of {$36.00} each ). The fees forced my account into a negative balance of {$100.00}. Absent these fees, my account had a positive balance of {$7.00}. I work 2 jobs to cover my expenses and do not have excess funds to give the bank for excessive fees. Therefore, I have not deposited any additional funds into my PNC checking account. 
I called PNC customer service on XX/XX/19 to ask if PNC would reverse the fees. The representative said he could not. He stated that the ( cash ) deposit I made on XXXX on XXXX was pending. I pointed out that the items for which I was charged overdraft fees were pending as well ( {$38.00}, {$1.00} and {$12.00} ). I then asked to speak to a supervisor. After being on hold for about 10 minutes, I was told there was no supervisor available but one would call me within 24-48 hours. I never received a call. 
As a result of the situation created by the bank, automated debits since XX/XX/19 have been returned, resulting in 10 fees, for a total {$360.00} in fees. 
I am requesting that the bank reverse these fees and credit my account for {$360.00}.
Consumer complaint received 2023-07-26
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (CA)

I sent a letter to all 3 credit bureaus on XX/XX/2023 regarding information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 60 days and I have not seen any changes. My information is still inaccurately being reported.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

XX/XX/2022 USAA bank reported that I have bad banking relationship with them to my consumer report. I have never opened up any type of products or accounts with usaa bank. Because of this my business funding was taken back from me destroying a business deal that was already in the works. I am also unable to open any other account all due to this false report. I have reached out to USAA bank several times I did the verification of identification and someone was supposed to call me for three weeks now and the wait was only 1 day. I went to a branch which took me four hours all for them to tell me that I had to wait for account recovery to call me. This is messing up my business and destroying my life XXXX XXXX  is the bank that once approved me for my funding and then took it back and XXXX XXXX is the one that denied me the opportunity to open up a bank and its all because if this false report from USAA bank
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CASE # XXXX ACCOUNT # XXXX????? No cards received but three emails they on way ACCOUNT # XXXX & XXXX old account still have cards Enclosed find the newest issue with this company once again sent in email that is incorrect information. As payments made XX/XX/XXXX XXXX XXXX ( recurring ) XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX total {$520.00} as of XX/XX/XXXX. All made thru our online banking as we have done for years. Now they want to charge us a late fee when they cant even decide on account, info or where missing cards they sent out are.Mr. XXXX XXXX XXXX called on XX/XX/XXXX at XXXX spoke to several people that said he had good credit, good customer. However, they would have to limit credit given? They would get with supervisor and let him know if account was to be re-established. However, to date nothing no other contact except this email that is in correct on payments made. 
So, them saying we not responsive to communication is incorrect and misleading. We have called, written over twenty letters and still they cant correct this account. Now not even applying payments correctly on account that we have never been late on. This all is from an email that was reported to fraud department. We lost our club points ( that are same as money they took that and closed our good standing well established account over a fraud report ) So what is the fraud department for and why penalize use for reporting it. 
Now we are wanting the entire account reviewed since they are obviously hiding something and not correcting our payments. We have asked for the payoff amount and this as well as gone unanswered. Issue we need fixed immediately. 
1. find missing cards issues three times in email sent 2. correction to not responsive to communication since we called and mailed number letters 3. correction to email dated XX/XX/XXXX 4. restore account to original and club points restored 5. correct to entire account as well as payoff as of XX/XX/XXXX that fraud department caused issue The above are issue we want corrected immediately as well as apology for being treated so poorly.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

TransUnion signed me up for their monthly premium subscription in XXXX. I have not used this site, nor did I want this service. The company has been charging me XXXX each month since then, despite never warning me via email I recently noticed these fraudulent charges on my credit card statement. They have charged me a total of 9 times at XXXX each for a total of XXXX on the following 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, and XX/XX/XXXX. 

I tried to settle this with TransUnion, but they refused to refund anything, even though I never used their service or wanted their subscription. An Internet search suggests that many others have been scammed by this site. Please look into this. Thank you.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXX I had a dispute with Bank of America regarding unemployment benefits and the was told that the dispute was denied. However, upon opening a new unemployment claim in XXXX I have discovered that the claim was later approved and funds were allocated to a dummy account without my knowledge or consent. A debit card was sent to XXXX XXXX XXXX XXXX even though that is not my address and they continue to send statements and dispute letter and debit cards to that address despite numerous escalations from my sponsor to update the address, email and number on file and constant request from me to do so as well. I even filed complaints with the OCC to no avail. They provided me with false statements that showed refunded or pending transactions as if they were final and still refuse to give me access to my actual account generated by my sponsor. They have since denied my dispute that I filed on XX/XX/XXXX after constantly pleading for assistance. It was horrendous. They blocked access until I literally coordinated with the guy at the address to let him know that I am now aware and that if I didn't receive the debit card being sent the police would be involved. Finally, I was able to activate a card and gain access to see that they just opened this account in XXXX XXXX after my new EDD claim was approved and started putting funds from the old dispute from XXXX into it but was missing a lot so I did the best I could to research and disputed the additional transactions from XXXX.
Consumer complaint received 2019-05-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

I graduated college 10 years ago this month, and I still have over {$120000.00} in student loan debt. I have made payments for the last 10 years, along with my co-signer and have requested to find repayment option plans to help with the monthly payment for the lifetime of the loan with little or no success at all. 

Putting it into perspective : I graduated in 2009, in the heart of the recession. I was jobless for months on end trying to find work after graduating from a top 50 school. I was laid off two times within a year and on top of the hardship, I was expected to pay back my student loan. At the time, Navient, formerly Sallie Mae, would not allow me to pause payments or reduce payments given my absence of income. In fact, my only option was to be put into forbearance AT LEAST 5 times in XXXX. This company steered me towards multiple forbearances instead of income-driven repayment plans, and I have tremendously suffered. My interest rates are through the rough and the additional principal I have to payback is astonishing. 

Navient will not disclose this information to me and let me know the dates where my account was placed into forbearance. In addition, each time it was placed in forbearance, I was responsible for a {$150.00} fee. My co-signer and I received numerous calls from collections and threats that our credit would be impacted. 

Who knew that getting a great education would have me suffering for 10 years, and many more to follow? I currently have zero assets ( no car, no house ), and I'm not sure when I'll ever be able to own something. My current payments per month are {$550.00} and my co-signers are {$430.00} ; roughly $ XXXX/month combined. 

Please help me.
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2023-07-25
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

TD bank refuses to open a review or dispute transactions saying I didnt report my card stolen even though its 2023 and everything down to debit cards are digital!!!!! Im way to busy to go through every transaction on the mobile app I hired a financial advisor and they saw these transactions and I refuse to lose my money I dont use my debit cards everything is XXXX XXXX I lost everything I refuse for TD bank to give me this unfair decision I dont know how those transactions were made or what manner I just know I didnt authorize any of the payments I disputed
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/2019 RE : Social Security Number : XXXX-XXXX-XXXX To Whom It May Concern, This letter serves as a dispute and claim to be filed against Pentagon Federal CR UN in regards to account # XXXX. 
I called on XX/XX/2019 at XXXX ( time stamp ) and an employee, on a recorded line, stated that I could pay three monthly payments of {$480.00}, automatically deducted from my checking account, and my account would be brought current. I expressed concerns about the payments being too high, and asked if they could be lowered. The employee stated that this program would allow me to make the three consecutive monthly payments of {$480.00}, Pentagon Federal CR UN would bring the account current AND after that it would be allowed for the payments to be lowered. 
I called back on XX/XX/19 XXXX and spoke to a manager who took their time to listen to the call, came back and apologized for the misinformed information and that that specific employee does not work in that department any further. 
According to the Commonwealth of Virginia, oral contracts are enforceable, and because the verbal contract has been broken by Pentagon Federal CR UN it is a breach of contract because Pentagon Federal CR UN did not honor that. I was taken advantage of and lied to by an employee of your establishment. 
Since this was determined based upon a recording this is a formal letter for this account to be completely deleted off of my credit report. 
Their improper procedures are highly damaging to my credit score. 
Please immediately delete these items. 

XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/6039XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Over 60 unauthorized debit transactions were taken out of my account between 3900 and 7000 was taken out of account causing my account to be closed and having a negative balance this was done last year the name of the bank is Wells Fargo
Consumer complaint received 2023-07-25
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: Consumer Portfolio Services, Inc. (MD)

I have multiple inquiries on my credit report that I did not authorize. Ive sent letters to each credit bureau about the more than XXXX inquiries to be removed. Its be more than 3 months and the inquiries still remain on my credit report.
Consumer complaint received 2023-07-25
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (NV)

I have been having NCB management try to collect a debt that cant be verified and I have told them to stop and they finally did after 2 years but when I call to settle I am on hold for hours and get disconnected then my emails dont get answered. Last call I made to NCB was XX/XX/XXXX and last email I sent was XX/XX/XXXX.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

XXXX made an incorrect insurance payment to the wrong account back in XXXX and also paid my correct insurance payment. 
my insurance company could not refund the money because they did not service that account. 
I have called several times to rectify the situation I would ask for a manager they would say theyre not available and that I would get a call back ( I never received call backs ) I was told that they corrected the account and I would get a corporate advance in the next 7 to 10 days and then when I would call to check on it, it was never done.