davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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. (NC)

Based on the Transunion report dated XX/XX/XXXX, XXXX XXXX failed to report the correct amount paid on my credit card payment due XX/XX/XXXX. Transunion report shows info was last reported XX/XX/XXXX Additionally, Transunion is showing {$84.00} in payments but I made 3 payments totaling {$120.00} for the payment due XX/XX/XXXX XXXX See below ) The result? My credit score dropped 38 points in XXXX. As of XX/XX/XXXX the Transunion report still is not updated or correct. 

XX/XX/XXXX {$87.00} ( for XX/XX/XXXX payment ) Cleared bank XX/XX/XXXX XX/XX/XXXX {$35.00} ( for XX/XX/XXXX payment ) Cleared bank XX/XX/XXXX XX/XX/XXXX {$25.00} ( for XX/XX/XXXX payment ) I contacted the credit card company via phone about this on XX/XX/XXXX and was told by a rep it takes 3 business days to investigate. They never called back. I called again on XX/XX/XXXX to follow and spoke to another rep who stated the investigation was not completed yet. I called again for the 3rd time on XX/XX/XXXX and in the middle of explaining the situation to the rep the call dropped. Not sure if they hung up on me or the call actually dropped. I have the call log saved. 

My account has been in good standing with this company with no missed payments ( 100 % on time ) since the account opened in XXXX.
Consumer complaint received 2021-03-23
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. (GA)

There was an inquiry from XXXX XXXX XXXX on my report. It was made in error so the fraud dept agreed to submit a request to the bureaus to have it removed. They submitted it but the inquiry remains on my reports
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

Someone opened an account with XXXX  in my name. They owe over XXXX dollars for non-payment and not returning the equipment. I spoke with Sunrise Credit Service, a collection agency, and was told that the account was opened in XXXX. I also spoke with XXXX  and is in the process of resolving this issue.
Consumer complaint received 2021-03-23
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)

There was an inquiry from XXXX XXXX XXXX on my report. It was made in error so the fraud dept agreed to submit a request to the bureaus to have it removed. They submitted it but the inquiry remains on my reports
Consumer complaint received 2021-03-24
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. (GA)

This is a WARNING to remove an Incorrect item from my Credit Report with Experian Credit bureau. I have sent several complaints with a copy of my ID and address to Experian and have been ignored several times about XXXX acct # XXXX. This account has been canceled and forgiven by XXXX but yet Experian continues on reporting this debt without Validation. XXXX  & XXXX  have both removed this account off my credit report ( Which I have attached a copy showing the two other bureaus removed WFDS acct ). But Experian continues ignoring my request with stall tactics. This is NOT a request for " verification '' or proof of my mailing address but a request for VALIDATION with proof not from an computerized generator confirmation system. I would like dates you contact the " individual '' furnishing my information and the method of communication. The burden of Validation is on Experian. At this time, I will also inform you that if Experian continues reporting invalidated information to my credit report, this action may constitute fraud under both federal and state laws. I will not hesitate in bringing legal action for relief through my state attorney general, FTC and report to XXXX  against Experian. For Violation of the FCRA, violation of the FDCPA and DEFAMATION OF CHARACTER. Civil Liability 15 USC 1692.
Consumer complaint received 2021-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (VA)

THE LENDER OFFER DEFERRED PAYMENTS FOR A ( FEE ). THE LENDER FAILED TO INFORM US WHEN ACCEPTING THE OFFER THAT IN THE EVENT OF A TOTAL LOSS ANY GAP CLAIM WOULD BE DENIED. 
GM Financial will not acknowledge that they withheld that information. However the agents on the phone have. the only response has been from a letter from XXXX XXXX XXXX XXXX Department XXXX Complaints XXXX XXXX ) XXXX ( w ) | ( XXXX ) XXXX ( f ) XXXX does not answer or return calls. 
In her letter she stated - XXXX  does not cover any payment extensions you may have received throughout the life of the account. she also recommends calling the XXXX number if we have any further concerns. When this occurs the agents do not know who to connect us to and send us to a random voicemail when asked to speak with a supervisor who also will not return the call. 
- GM Financial is Avoiding our requests to speak with a supervisor. 
- That XXXX  coverage was financed ( while paying interest ) on the loan by GM financial - GM Financial offered a payment extension and never disclosed accepting the extension would affect another product being financed by you. This was never mentioned during call when the offer of the extension was made.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OR)

On XX/XX/2020 a fraudulent charge of {$4000.00} was made with a convenience check on my Barclays credit card account. There was also a {$160.00} balance transfer fee that was charged to the account when the fraudulent check was used. Barclays has investigated the matter and credited me the {$4000.00} back HOWEVER they have not credited back the {$160.00} fee for the {$4000.00} check and it has now ballooned into {$230.00}. They continue harassing me with collection phone calls and yet when I call them I can not get through to the proper person who can do something about it. Its been over a month and Ive made dozens of phone calls. This is an abusive practice and I believe they deliberately make their phone system borderline impenetrable in order to avoid customers. It is unfair that this charge could go into collections and negatively affect my credit report. They need to resolve this matter of the fraudulent fee. I spent over 3 hours on the phone today and the lady I was speaking to kept apologizing but said she simply didnt know who to contact. These are abusive and unfair practices toward the customer and I hope youll work to resolve this with Barclays.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My issues is with XXXX XXXX, XXXX XXXX  and Transunion. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and XXXX  is showing that the account is open with Current payments after being charged off. 
XXXX I requested that XXXX XXXX XXXX and Transunion remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, XXXX has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (TX)

Home was flooded due to a burst pipe. Loan servicing provided incorrect information for insurance claim payment processing and endorsement. Causing delay in remediation and repair work so that I can return to home. Already one week behind with the delay in the turnaround of process. Should have disclosure of detail of process on website and be directed to it as soon as a call is made to service call center. Guidance completely opposite and different than process. I took notes and have it all written down. Very poor for this type of service.
Consumer complaint received 2018-07-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

request denied on XX/XX/XXXX by navient, I have balance of XXXX to pay I told them I can't they are not willing to help they say I have opened one credit card or excuses such as you cosigner didn't respond last year when I was approved for a year to pay XXXX a mont ratter than XXXX per month only because I threaten to sue them and told them I just won't pay now they give run around and tell me that I am denied I can't afford XXXX per month please help me or students like me
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. 
XXXX XXXX in XXXX of XXXX or XXXX I believe marked me deceased. I tried to pay my bill online it said closed. I called to pay and they wouldnt let me pay. They said they didnt know why I couldnt pay. This went on for a month. Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. They made no effort to fix it or give me suggestions on how to fix it. Finally after numerous calls and wasted time someone told me they marked me XXXX. I told them obviously this was untrue. They had no idea why I was marked as deceased. I asked her to fix it they told me they didnt know. They told me they had no idea why or how it happened or how to fix it. I watched my credit report get frozen from all bureaus. My credit report showed me is XXXX  for a period of time. I am a XXXX veteran and seeing myself marked as XXXX  was very traumatic. We feared my XXXX and mortgage would be frozen due to my social being marked as deceased. Everything I researched said I was XXXX. Eventually XXXX XXXX with no warning and no apology decided I was alive again. They sent my cards back, reopened the account. Before the account was marked deceased it had a balance of around {$800.00} and was current. When they reopened it, they added on interest, fees, and missed payments. NEW BALANCE SHOWS AS {$1600.00} with our entire balance from before as past due. They refused to remove these fees, interest, and past due payments unless we PAID a past due of {$600.00}. This was only past due and accumulated because of their error. I tried multiple supervisors. Most couldnt comprehend the situation or even tell me why. I am unable to purchase a home now as a result. Ive experienced an extreme amount of distress over this. I had to take off of work when it happened because they reported me XXXX. This is the worst display I have ever seen by a credit agency. I could have lost my current home, my VA XXXX that pays for my home, and had my bank accounts frozen. My other credit cards were frozen. My credit score is ruined. I can not buy a new home now as a result of their actions and neglect.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NC)

I called to make a payment on XX/XX/XXXX and advised the rep that I am still unemployed due to the pandemic.I was charged a late fee for the missed payment on XX/XX/XXXX and I submitted a request to have the late fee waived as a courtesy. The rep that I spoke with advised that I had not had a late fee waiver recently and after reviewing my account she has not seen a late fee waiver EVER. I received an email 24 hours later stating that the fee waiver was rejected and there were no logical reasons indicated. I immediately contacted Avant customer service and spoke with a supervisor who stated that he also sees no valid reason on file as to why the late fee removal was declined but he escalated my concern. I am totally appalled by this lack of compassion and leniency especially during these tumultuous times. I enrolled in a hardship program with Avant back in XX/XX/XXXX when I became unemployed and I managed to still make consistent payments. Many lenders and creditors have announced proactive measures to help borrowers impacted by COVID-19. The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with XXXX, Experian and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and Equifax that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc (TN)

This was an amount due for {$56.00} to XXXX XXXX XXXX. I had to get a physical done and in order to get that physical completed I had to pay this debt along with the amount due for the physical which totaled to roughly {$71.00}. I have a screenshot of this from my banking statements as well.
Consumer complaint received 2021-03-24
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. (UT)

My ex husband while we were legally separated tried to file bankruptcy twice with my name on it and I didnt know about it, agree or sign anything and it is showing on my credit report and I tried to dispute it and it wont give me a reason why they are keeping it on my credit just saying it will stay on there. This is preventing me from renting an apartment and buying a car. Along with it not being legal or right for this to be on my credit. There is a chapter XXXX and XXXX showing dismissed.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (HI)

On XX/XX/2021 I added {$250.00} USD to my Gemini account via debit card. Same day I also deposited another {$200.00}, followed by another {$50.00}. I used these funds to purchase crypto currency. Since then, I have decided to withdraw my funds. However, every time I try, I am unable to do so. The Gemini app tells me my account is still pending verification. Over a month of waiting for verification, several phone calls and messages sent on social media, I have yet to hear any response to my issues. I find it odd how easily I was able to initially transfer funds to my account yet seemingly impossible to withdraw these same funds.
Consumer complaint received 2021-03-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION (NC)

Hi! My name is XXXX XXXX! I am a naturalized US citizen. 
It is an unusual situation.I/we were able to get the loan but the process was very discriminative.On XX/XX/XXXX we ( my wife and me ) bought a car with a joined car loan from XXXX  XXXX  XXXX XXXXThe process were smooth.The dealership informed us our loan company going to be BB & T XXXX 
On XX/XX/XXXX more than then 3 weeks later the dealership called me saying I need to provide my green card bc we are not going to get our car loan.We were was shocked.Anyways I told the dealership I dont have a green card any more because I AM A US CITIZEN since XXXX XXXXWhich also proved by my NC Drivers license which has a star in it! They had copies of it! They said than I have to provide additional evidence of my citizenship! 
Of course I felt awkward and upset because the dealership and the bank didnt give me a straight answer why they need more evidence! I felt I getting discriminated and profiled bc my name.It never happened before! My wife who is a US born citizen did not have to provide any additional evidence of status.It is clearly profiling. 
However eventually I did provide the copy of my passport.Far as I know we will get the loan. 
However my complaint is : -If the loan company requires evidence of citizenship they need to do it in the moment of the car purchase.Not almost a month later. 
-As a US citizen I have a constitutional right to not get questioned, harassed or blackmailed about my status for any purpose.Outside of DHS or other Federal Agencies. 
-After I got my citizenship I did register the change with Social Security Services so it should be in the credit or personal records. 
If the bank wants to research my status than they can do it if they really want it! Its not right to blackmail the customer! 
-It is a such a sensitive subject bc I worked hard and did it the right way to become a citizen and get accepted! Also did it with a goal to not be harassed or blackmailed about my status anymore! 
Sincerely : XXXX XXXX
Consumer complaint received 2020-12-06
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: EQUIFAX, INC. (FL)

I ve had an account with XXXX  XXXX open XXXX  XXXX  since XX/XX/2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is 500 anf balance is only XXXX dollars. Please have credit bureaus update records
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Applied Business Services, Inc. (NC)

This complaint is in reference to previous complaint XXXX. Security Collection Agency is in violation of multiple FDCPA violations and I demand to be compensated for each violation which I have attached with proof. Simply deleting this unvalidated debt which is a violation of 15 USC 1692g from all consumer reports is not enough for all the pain and shame this has caused me. My credit reputation has been impacted tremendously and this has stopped me from obtaining credit that I should have otherwise been approved for. This matter has also caused tremendous shame as this company furnished this unvalidated debt to consumer reporting agencies essentially making this private matter public and broadcasting it to the public. I am expecting to compensated by check to remedy this matter as well as this unvalidated debt being removed from all consumer reporting agencies expeditiously.
Consumer complaint received 2021-03-24
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. (CA)

Experian has failed to update my credit report, even though they were informed by XXXX XXXX that the hard inquiry XXXX were fraudulent and had to be purged from my credit file. 

Listed below is the information as it shows on my credit report which was pulled today : XX/XX/XXXX. 

XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Attached is proof from XXXX XXXX that the information for removal was communicated on XX/XX/XXXX to Experian.