davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (PA)

I am writing to bring to your attention another unauthorized credit inquiry made in my name on XX/XX/year>. I did not authorize this inquiry, and I am increasingly concerned about the ongoing issue of identity theft. 

Previously, I reported an unauthorized credit card application with your company on XX/XX/year>, and have filed an FTC Identity Theft Report. Given these repeated unauthorized activities, I suspect there may be a breach in your system that needs immediate investigation. 

I kindly request that you thoroughly investigate this latest inquiry and take the necessary steps to remove it from my credit report. Additionally, due to the distress and potential financial harm caused by this situation, I am seeking monetary damages. 

Your immediate attention to this matter is crucial, and I appreciate your cooperation in resolving it promptly.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: VYSTAR CREDIT UNION (GA)

I have called and spoken with several live agents about the excessive amounts of reporting on my credit report. I have filed complaints with the CFPB, and XXXX  and letters to my Attorney General. According to Law 15 USC 1681 XXXX  would need permissible purpose from me and they DO NOT. I never even heard of this company until I saw my report. There are over XXXX reports, which harm my way of living as a human being. By Law that is {$XXXX} worth of damages.
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: LendKey Technologies, Inc. (VT)

I have had a loan with LendKey for over 7 years and have never made a delinquent payment. Some paymenst may be made after the due date, but I have never been 30 days late. 

LendKey starts calling 5-7 days after a missed payment due date, which is to be expected. However, they also call my sister, who co-signed on the loan. It is harassing to her and embarrassing for me. I have called LendKey repeatedly to ask them to stop calling my sister, and they refuse. I have never had another lender do this.
Consumer complaint received 2024-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (PR)

I originally files a Fraud complaint with the FTC based on XXXX stating to get a case file number XXXX. I realized today that the FTC will not do anything for me and I have not heard back from the Companies in question. My case was a Fraud case against XXXX XXXX XXXX because the stole my identy information and created a leasing agreement against me. I will provide submitted information I provided to the FTC and what I also submitted to the Collections company that appears to have the bought the outstanding debt. That company XXXX XXXX XXXX XXXX who transferred it to XXXX XXXX XXXX, XXXX XXXX. I have spoken to the company and also submitted documentation that I do not own them anything. My attachments so into greater detail and also has proof that I was not in the area of purchase or could have used that bogus IP address, which belongs to company out of XXXX XXXX XXXX area. Additionally I find it unusual for a leasing company to not have a phone number, especially a phone lease.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (VA)

Mohela is reporting my large student loan twice to XXXX. It appears twice on my credit report. This affects my debt-to-income ratio and ability to obtain credit, which I am actively seeking. I called Mohela and they stated it would be resolved in 90 days. That is way too long, and I don't believe them. 

I filed a dispute with XXXX. They did not remove the duplicate loan from my credit report. I called, and the agent said that Mohela indicated to them that the duplicate loan information was correct and should stay on my report.
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC (FL)

I called today BHG to request forbearance because my business was affected by hurricane helene they stated they do not offer any payment assistance for disaster relief. I asked them to remove autopay from my account and they stated they can not change payment information.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello - We do run a XXXX XXXX XXXX XXXX XXXX  and our customers are all around united states. Our bank account is breached and somebody transferred via ACH a total of XXXX USD to their account.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (TX)

This company calls me multiple times a day regarding a claimed debt. They call from different numbers over and over. I've been getting multiple calls from them since XX/XX/year>. Their phone number always starts with XXXX. They've called me up to 3 times a day on some days.
Consumer complaint received 2018-01-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Turning Point Solutions LLC (CA)

See complaint number XXXX for reference. After stating that I would no longer be contacted for a debt owed by someone ( XXXX XXXX ) who had my phone number over 3 years ago, I have once again been contacted by someone claiming to be XXXX XXXX with XXXX XXXX XXXX. Call was this morning ( X/X/2018 ) at XXXX ( PST ). 

I do n't know XXXX XXXX, STOP CALLING ME.
Consumer complaint received 2018-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

The student loan is with Navient. 18 months ago- in XXXX XXXX  2015 I called Navient as they pushed my payment to over {$700.00} a month which I did not have. I asked them to lower my payment as I could pay them {$500.00} a month. They refused and told me my only option is to go in forbearance until I can make the full payment. They were unwilling to help me even if I offered them money and they did not explain any alternative options to me. They only gave me one choice which was forbearance at a very high percentage interest. This is impossible to ever pay debt if they just charge interest and there is no affordable way to pay it off. After all my expenses in my household I dont even have {$700.00} in cash flow to afford to pay the loan and I dont even have a car or credit card payment. The income driven plan is overpriced and not affordable- seems like it is meant to make customers go in forabaramce so they can collect interest. They dont give consumers any other options.
Consumer complaint received 2018-01-02
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. (FL)

I have submitted disputes to Experian on multiple occasions regarding the XXXX XXXX  COLLECTION ACCOUNT. Experian has alleged that they have verified the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ; however, have failed to substantiate how they verified that the account belongs to me. Instead, Experian forwarded me a form letter of their investigation process. Moreover, XXXX XXXX has not provided a contract illustrating that I agreed to the debt. It is also imperative to note that I am a " XXXX, '' so the alleged debt can belong to my father and has not been validated.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NC)

We made an online purchase at bestbuy.com on XXXX  using the Best Buy Citi credit card for interest free for XXXX  months. The total charge per my email received was XXXX.  The appliances were delivered XXXX. Upon installation, the refrigerator did not fit in our home and had to be returned XXXX).  My first bill was received in XX/XX/XXXX, showing a balance of XXXX. I noticed two charges of XXXX on this bill at the time and called in, this started by journey with the companies.  Over the next several months, we tried disputing the charges, reporting fraudulent use, etc.  Best Buy, Best Buy.com, and CITI cannot confirm charges that we are not aware of. We had one charge and I am still finding a discrepancy of XXXX, which has been sent to Citi. We had a supervisor with Citi that promised to resolve and agreed with my research on payments, charges, returns and at this time, they are not responding.  I have advised CITI and Best Buy if they can confirm all charges on our card, since the only charge we did was on XX/XX/XXXXand they prove they are ours that we authorized, then we have no problem paying the balance, however, in my research on the charges, return of the refrigerator, and payments, we are being over charged XXXX. It is baffling that no one at Citi, XXXX, or XXXX can confirm all charges. I have spent several hours working on this with the three divisions and get bounced from one area to another without warning and referred to the next department and back to the original. XXXXXX/XX/XXXX
-XXXX  XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>
XXXX XX/XX/XXXX
-XXXX XX/XX/XXXX-XXXX XXXX 
XXXX XX/XX/XXXX-XXXX XX/XX/XXXX-XXXXXX/XX/XXXXXXXX credit for disputed charge
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX XX/XX/XXXX-XXXXXX/XX/XXXX
XXXXXX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
= XXXX is what my calculations come up with
Consumer complaint received 2018-01-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (NJ)

I leased a new XXXX XXXX from General Motors Financial Company , Inc. ( " GM Financial '' ), and they are continuing to deduct lease payments from my bank account even though, due to an accident, my car was declared a total loss and the lease was terminated. 

I leased my XXXX XXXX from GM Financial in XXXX. On XXXX XXXX, XXXX, I was in an accident. We notified our auto insurance carrier and our XXXX dealership of the accident that day, and GM Financial early the following week. My insurance company inspected the car on XXXX XXXX, XXXX, and declared it a total loss the same day. That same day, XXXX XXXX, XXXX, my wife again spoke with GM Financial. GM Financial knew about the accident, had spoken with my auto insurance company, and already were in the process of working with their gap insurance company to cover any portion of the resulting loss that would not be covered by my insurance carrier. 

Also on XXXX XXXX, XXXX, during that same phone call, GM Financial told my wife that we were responsible for the lease payment for XXXX XXXX because our auto insurance company declared a total loss after that payment already had been scheduled with my bank ( which we said was fine ). We were told there would be no additional lease payments. 

On XXXX XXXX, XXXX, GM Financial - without authorization - deducted another lease payment from my bank account. I attempted to contact GM Financial by phone on XXXX XXXX, XXXX to resolve this issue. They have a recording saying that due to a system upgrade it is impossible to speak with a customer service representative until XXXX XXXX, XXXX. I was unable to speak with a person or access my account electronically. On XXXX XXXX, XXXX, I also sent GM Financial private XXXX messages - their suggested message for contacting them until XXXX XXXX, XXXX - including a description of the problem, my name, my address, the date of the unauthorized payment, the exact amount of the unauthorized payment, and the last four digits of my social security number. On Monday, XXXX XXXX, XXXX, I received a response telling me that " we are unable to review your account. '' GM Financial has yet to resolve the situation or even contact me to discuss.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

I attended a XXXX XXXX XXXX promotional event in early XXXX of this year ( 2017 ). I did not choose to become a time share owner during the event, but I did sign up for a loyalty rewards program in correlation with American Express. It seems that the onsite personnel who sign you up for the XXXX Rewards Program card are XXXX employees and are not provided proper training on the actual features of the card. I believe that I was misled concerning several features of the Rewards Program card. First, the XXXX employee mentioned that by signing up for the card, I would receive " Gold '' status with XXXX ; however, I found out after signing up that this is only true for certain cards that have an annual fee and only applies to my card if I spend {$20000.00} in a calendar year. I was also led to believe that this card would not have any foreign transaction fees. I recently took a trip to XXXX and purposely used the card assuming that no foreign transaction fees would be charged. To the contrary, I was charged many fees adding up to {$22.00} or so. I called American Express to discuss this and, again, this turns out to only be a feature of certain Rewards program cards that have an annual fee associated with them and not for my particular card.
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (OH)

XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX/XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX/XXXX as of XX/XX/XXXX for my VA loan. I have also asked for my FICA score to be reversed due to XXXX/XXXX not submitting payments made since XX/XX/XXXX after cashing checks with my VA loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting 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)

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I checked my # XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681e ( b ). Treatment of inaccurate or unverifiable information in general, after any reinvestigation of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate. 15 USC 1681 ( s ) states they not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. I request that these accounts be removed from my credit report.
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP (NJ)

This started when my bank account was frozen on XX/XX/XXXX. I contacted XXXX XXXX and they told me to call the SUPERIOR COURT OF NEW JERSEY to get more info. They gave me contact info for Pressler and Pressler LLP. After speaking to Pressler and Pressler LLP directly, they informed me of an alleged dept that I owed since XX/XX/XXXX. And not to mention I have never seen this negative item on any credit report I ever had. The amount of alleged dept is {$1200.00} plus an additional {$410.00} in interest and {$100.00} in court cost along with a {$170.00} court officer fee. So the balance of the whole claim is XXXX. I also found out that there was a judgement placed on me without ever knowing that I was being sued. There are countless complaints of this company winning default judgments without ever notifying the consumer of any dept. And lawsuits filed and won in regards to unlawful business practices. If I would have recieved written notification about this matter 17 years ago I definitly would have been in court to present my case that the dept was not mine. I also filed paper work regarding that I was DEFINITELY a Identity Theft victim. So far to this date the company has not reported results from any investigation. This Company is in violation of Section 623 of the Fair Credit Reporting Act. No copies of : *Account applications made on paper, online, or by telephone *Account statements or invoices *Records of payment or charge slips *Delivery adresses associated with the account *Records of phone numbers used to activate or access the account *Signatures on applications and accounts *Investigator Report This company also never sent any correspondence regarding : *Informing business where the account was opened that the dept is the result of ID theft *Stopping collection activities against me *Any records I requested. 
With this current violation I 'm forced to file a complaint with the FEDERAL TRADE COMMISSION. So let this letter be a NOTICE TO FILE COMPLIANT WITH FTC.
Consumer complaint received 2017-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

Statement date XX/XX/XXXX received notice from Ditech of escrow shortage in the mail.
Tried to call several times but could not get through due to heavy call volume due to the hurricanes.
Statement date XX/XX/XXXX received notice of service transfer from Ditech to XXXX XXXX XXXX XXXX. It clearly states Ditech will stop accepting payments received from you after XX/XX/XXXX. 
Called upon receipt of the service transfer notice and spoke to XXXX customer service rep # XXXX about the shortage and service transfer. 
XXXX told me I needed to make no payment until XX/XX/XXXX because of the service transfer and that she was applying undeclared extra funds paid to my account to the escrow shortage, a late fee, and principal. I would send extra money every month thinking it would be applied to any shortages and principal. I requested a statement describing what she had applied to our account. She said she could not provide one at that time.
I just received a debt collector notice from XXXX dated XX/XX/XXXX. We make our payments every month and pay a little extra. I pay bi-monthly due to our finances. We did not pay XX/XX/XXXX because XXXX, XXXX informed me NOT TO PAY. We have no idea what is going on. 
I have not received a bill from the above named new company as of XX/XX/XXXX. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XXXX, XXXX made payoffs in the amount of roughly USD $ XXXX to my various creditors after having received a payout from a re-finance within my family, of this, roughly USD $ XXXX went to Citi to pay off XXXX Subsequently, this triggered a " Periodic Review '' of the card which was already set to expire in XX/XX/year>. I was told the following : -Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines. 
-Your unused credit balances are low on one or more of your accounts with us Citi chose to specifically close my oldest card with them and damage my credit, yet again. I do not understand how this decision was made when I have two other cards with significantly larger limits on them. I would have preferred to close down one of those instead of my oldest line. Please see screenshot of the payoffs that were JUST done on XXXX to various credits which refutes the first Adverse Action point and then as for the second one, if Citi would LIKE to continue with this, I am willing to close the card ending in XXXX.