davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MD)

I was referred to your office by the Maryland Attorney General 's office. I made a purchase from XXXX XXXX XXXX, which uses Synchrony Bank for their loans on XX/XX/2022. My main reason for making this purchase was because of XXXX XXXX XXXX 12-month No Interest Charge offer. XXXX XXXX XXXX offered me a XXXX limit credit card from Synchrony bank, after checking my credit and their agent explained that that is how their process worked. My amount to be financed was {$4700.00} after I had paid XXXX XXXX XXXX {$1000.00} by check on the day of my purchase. I have paid my minimum payment to Synchrony Bank on time since then, except for XXXX, when my payment was due of XXXX, which I paid on XXXX, due to forgetfulness. At that time, after a close look at my account details, I realized that I have been billed interest charges all along although I been supposedly given a promotion of no interest charges for a year. This has added approximately {$1000.00} to my balance and is negatively impacting my credit history that has always been good. 
I am therefore asking that you please intervene and have Synchrony Bank remove the interest charges from my balance. I am doing my best to pay my actual balance with by XXXX, thereby taking advantage of the promotion that I was given. I have contacted Synchrony Bank and XXXXXXXX XXXX XXXXXXXX and they have continued to ignore my requests, although they are fully aware of the validity of my claims. I have my receipts and other documents as evidence.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2018-01-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (OH)

XXXX XXXX, enrolled in XXXX XXXX for XXXX XXXX, moved around and attended other campuses ( XXXX, WA ) then back to XXXX, AZ. Graduated XXXX. Enrolled in the XXXX XXXX XXXX through XXXX XXXX, relocated to XXXX, OH where I completed my course in XXXX XXXX. Started the Masters program with the same school and same lender XXXX Great Lakes Borrowers ). School shut down in XXXX ending my schooling. Filed a " School closure and loan discharge ''. Great Lakes Borrowers sent me a letter stating that my loans are discharged and I no longer need to pay on them ( XXXX, XXXX XXXX ). Great Lakes Borrowers informed me that only a portion of my loans ( around {$3200.00} is discharged ) but not the whole thing. In the letter, it does not specify that {$3200.00} amount but " Great Lakes XXXX XXXX XXXX will cancel the remaining balance on this portion of the student loan ''. Which all of my loans are through XXXX XXXX and no other institution. Also, contacted another " agency '' about my loan, they informed me that as of current, all loans processed from XXXX XXXX to current are discharged and Great Lakes Borrowers is in violation of that action. 

I want this loan discharge enforced, removed from collection by Great Lakes Borrowers and my credit reports to reflect that removal of debt. I have tried on many occasions to deal with Great Lakes Borrowers which denied this letter was on file with them though I have faxed and emailed it many times. 

Great Lakes ID : XXXX
Consumer complaint received 2023-08-04
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. (TX)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-08-04
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. (TX)

Experian, XXXX, & XXXX failed to comply with the Fair Credit Reporting Act. Experian failed to contact my credit grantor and provide proof of my indebtedness. I requested all three companies not to use automated verification or the e-Oscar system to verify my accounts of indebtedness. Experian, XXXX, & XXXX all failed to remove the incorrect addresses, inquiries, and accounts from my records eventhough they reported that they had removed some of the items. The items reported to have been removed were not.
Consumer complaint received 2018-01-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Back in XX/XX/XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XX/XX/XXXX ; however, the school was shut down and no longer accredited. Step 2 : What type of problem are you having? I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XX/XX/XXXX,  currently back in school pursuing another degree at a XXXX  college. Step 3 : What happened? The Board of Education did not recognize XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. Step 4 : What company is this complaint about? XXXX XXXX, CA Step 5 : Who are the people involved? I currently owe money to NAVIET ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BH Financial Group, LLC (CA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In XXXX, a XXXX XXXX XXXX Employee had fraudulently opened a checking, savings, and credit card account without my authorization, this account then moved to collections department and eventually sold downstream through collection agencies to SIERRA MANAGED ASSET PLAN LLC which have been attempting to collect since XXXX, where attempts to serve a notice to a previous outdated address resulted in the court moving forward to a judgement against me, my wages were garnished in the amounts of {$940.00} from a previous employer and {$1400.00} I have attempted to reason and explain the situation with the representatives of SIERRA MANAGED ASSET PLAN LLC to drop the collections attempt of a fraudulent account and return my funds they have taken from me.
Consumer complaint received 2023-08-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weber & Olcese, PLC (MI)

The company has not credited my account properly. I made a direct payment post judgment of {$1000.00} ( XXXX personal check # XXXX date XXXX and a XXXX $ postal money order ). They are not reporting this in a letter dated XXXX to me. And apparently the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX, Michigan. They've garnished my wages XXXX at XXXX for a total of XXXX ( minus garnishment fee of XXXX XXXX  ) = XXXX plus the {$1000.00} = {$3000.00} pd which extinguishes the court ordered {$2800.00}. 

Weber Olcese also place a real estate lien on my home. 

The remedy I seek is immediate termination of the garnishment and release of the real estate lien. And fines & license revocation of this debt collector. Re-training education on how to correctly, clearly and transparently communicate should be considered also. 

thank you!! 

XXXX XXXX " Our file '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-04
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: Radius Global Solutions LLC (TN)

I have XXXX XXXX XXXX XXXX reporting on my credit that I purchased a car from a XXXX Dealership in XXXX Alabama. Upon contacting the company I was routed to multiple people that had no information to share with me about the account. After calling back again I was given a reference number and referred to another company. Radius Global Solutions LLC and was informed that I owned a XXXX XXXX XXXX. This time I was informed that the vehicle was purchased from XXXX XXXX XXXX in XXXX of 2023. After a spirited discussion with the representative I informed him that I purchased a car from another dealer and he could not provide any information from vin number to location of purchase and immediately offered a fraud alert. He refused to answer why they fraudulently used inaccurate information on my credit report and hung up the phone.
Consumer complaint received 2023-08-04
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. (TX)

There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2023-08-04
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. (TX)

There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2018-10-20
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. (GA)

I have no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}
Consumer complaint received 2023-08-03
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. (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.

has violated my rights. Or list of inquiries 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 2023-08-04
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. (TX)

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 2023-08-04
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (PA)

The Credit Bureaus stated that my account was properly investigated but how can that be if the dates last active are incorrect, high credit amounts are incorrect, account status is incorrect, account numbers are incorrect, and response to where inquiries came from were left unanswered? These are all grounds for immediate removal from my credit reports as it has violated my rights under 15 U.S.C. 1681 section 602 A. I was seriously harmed because the Credit Bureaus continued to give out incomplete and inaccurate information after I requested corrections causing my credit score to severely and negatively be affected. The Credit reporting agencies are negligent and willful noncompliance with the law are all exhibited here. XX/XX/2023 I have sent out disputes via U.S. Postal Service and have not received an explanation nor has any of these erroneous accounts been removed from my credit report. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days to thoroughly complete their investigation.
Consumer complaint received 2018-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

We closed on a residential home loan on XX/XX/2012. The original purchase price of the home was {$330000.00}. The market was rebounding and the appraisal came in extremely low at {$340000.00} and so Private Mortgage Insurance was assigned to our loan for a term of 5 years or until the loan was paid down to 80 % of the appraisal value. The loan contract specifically states that the buyer is entitled to pay for a new appraisal after paying 60 consecutive payments. However, the contract stipulates that the lender ( LoanCare ) gets to choose an independent appraisal company of their choice.

We have contacted the LoanCare on multiple occasions requesting that they schedule an appraiser and let us pay for the new appraisal.The property is now estimated at an appraisal value of {$600000.00} and we owe {$290000.00} on the mortgage. Currently, our loan to appraisal value is approximately 48 %. However, the lender will not respond to our requests except to send letters that say, " We have received your request and will be in touch with you in 3-5 business days. '' LoanCare fails to follow through and they keep billing us $ 379 monthly in private mortgage insurance. They are not honoring the contract.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

On XX/XX/2018, there were 5 forced debit card transactions posted to my account from Coinbase. All 5 were duplicate amounts from previously charged purchases. These amounts were {$490.00}, {$650.00}, {$700.00}, {$750.00}, {$750.00}. I was unable to reach customer support via telephone due to call volume after waiting an hour on hold. Further support request via web support only resulted in an email notification of the problem stating : " Thank you for submitting your request. Due to increased volume it may take several days to receive a response. ''
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (CA)

They call me every single day in the morning between XXXX. When I ask what the call is about they will not answer they just say it is a matter with the business and proceed to ask for personal information. Very rude and unhelpful. It seems like a scam because they want my personal info before even explaining who they are. Very harassing.
Consumer complaint received 2023-08-04
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: Source Receivables Management LLC (IN)

This company was unable to provide proof of documentation between myself and their company. I do not know them nor do I owe them any money. My rights have been violated under FCRA laws.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE (TN)

I am currently experiencing financial hardship and unable to make my current monthly payments on my Barclays credit card. For weeks, I had been trying to enroll in Barclays longterm hardship program, for which I am qualified for, via their website. With this program, my XXXX would be reduced to 5.9 % and my monthly payments would decrease to {$180.00}. Unfortunately, I received error messages every time I tried to finalize the enrollment. 

I finally called their customer support to get assistance with enrolling on XX/XX/2023. During this phone call, the account manager informed me that I would need to go ahead and pay the {$180.00} at the time of enrollment in order for me to be successfully accepted into the program. Due to the financial hardship I am experiencing, I was unable to pay the {$180.00} on the phone at that moment. The customer service agent informed me that I would be able to go through their website ( as I had been trying to do before ) to enroll once I had the money. She emphasized that I would just need to go ahead and pay the first payment of {$180.00} upfront. 

Later that night, I was able to scrap together the {$180.00} that I was told I needed. I went through the steps on their website to enroll and submitted a payment for {$180.00} specifically for the hardship program ( I did NOT authorize money to be taken from my bank account for a regular payment ). The next day, XX/XX/2023, I saw that the money had been taken out of my account, but there was no proof of enrollment in the hardship program. Upon calling the Barclays customer service line, I was informed that I had not been enrolled in the program and I would need to now pay {$170.00} to enroll. I asked if the {$180.00} I had already paid could be refunded and they refused. The pressed me to pay the additional {$170.00} to enroll via phone. I gave in and scheduled a payment for the {$170.00} payment over the phone. When I asked for proof of enrollment, they were unwilling to give me anything that confirmed I had been enrolled. Instead, they advised that I would receive a letter at an unspecified time. 

Because I was unable to get any confirmation, nor had I gotten a refund for the {$180.00} I had already paid, I canceled all scheduled payments. I am now working with my bank to dispute the {$180.00} that I did not authorize for payment outside of the hardship program. 

I am unsure what to do next as I am now still not enrolled in the hardship program. The longer I am without the program, the closer my account gets to being considered delinquent. I am trying my best to avoid this but Barclays is refusing to work with me, despite me being qualified for the program. 

I am needing assistance getting enrolled in their hardship program and being refunded the {$180.00} I paid under false pretenses.
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

In XXXX of 2021, us auto sales disabled my car even though I was not in default. I had to call out of work for a few days and I called them. They told me that something was wrong with the pastime device and I had to take to an auto shop to get fixed. I took to everything automotive on XXXX and they had to wait for part to be shipped so repair did not happen until XX/XX/2021, car was off on my birthday XX/XX/2021. I had to miss work and earned occurrences since was not planned PTO! Also, they transferred my car to another servicer and its been complaints of people vehicles being repoed even though not default. I am scared of losing vehicle that I need to get to work and to take care of my disabled son and mom. It is now with Westlake portfolio management. Also, us auto was making me get high insurance for years and I paid so much money and they were still charging me for collateral insurance with them. I called about it and they told me I had to get a deductible that was high and was adding a balance to my account.