davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: General Motors Financial Company, Inc. (GA)

Back in XXXX I had XXXX XXXX from car accident. I called all my creditors and explained why I might be late due to the severity of my XXXX and not being able to pick up my paycheck. Once I did get my paycheck the crazy employer gave me my paycheck and it bounced. I called again and explained the situation everything was verbally agreed upon and I assumed that I was ok until I noticed that I was indeed marked past due. I have made several attempts to plead with this removal and they are still dragging it out. My record of payments is impeccable never late except this particular time.
Consumer complaint received 2018-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

Heartland XXXX proctors my student loan from the University of XXXX. They are supposed to send me quarterly statements for me to return payment via check. They frequently fail to send out statements ( 3 times in past year ) and then require me to submit payment through their website and pay a  convenience fee, or pay a late fee to pay by check. I have called monthly to discuss with the company, and I believe that Heartlands XXXX is deliberately obstructing my ability to pay via check in order to force me into an alternative payment method that they charge additional fees for.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. XXXX. I have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then XXXX since I have had credit and I am in my XXXX 's
Consumer complaint received 2018-10-14
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. (CA)

EQUIFAX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

Equifax states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. Equifax refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.
Consumer complaint received 2019-02-08
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. (OH)

In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down 73 points and XXXX credit score went down 43 points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the 73 point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

I am writing to address significant violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) that have recently come to my attention. Consumer Reporting Agencies ( CRAs ) play a vital role in assessing consumer credit information. It is concerning that Big 3 CRAs rely on data from smaller agencies, like XXXX, for reports. Identity theft is a major concern. Reporting unauthorized accounts without consent is a serious breach of privacy. CRAs are legally liable for noncompliance under 15 U.S. Code 1681n, with potential penalties of {$1000.00} per violation. The unauthorized buying and selling of personal information poses a significant privacy issue. Compiling a report without consent amounts to identity theft. Privacy is a right, not a privilege, and I demand prompt removal of identified information. I followed the requirements of 15 U.S. Code 1681c-2 meticulously, but was not provided clear information about reporting, as mandated by the Gramm-Leach-Bliley Act. By invoking my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I seek a swift resolution. I insist on immediate removal of identified items within four days. Furthermore, proper notification for investigative consumer reports, under 15 U.S. Code 1681d, has been overlooked, a clear violation. I expect prompt attention and full compliance with the aforementioned provisions. Failure to do so may compel legal action. Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Consumer complaint received 2018-10-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Klima, Peters & Daly, P.A. (MD)

Im being garnished by a debt collector. This debt is from XXXX which is over 7 years. I have not been to court since XXXX about the case. The debt is no longer on my credit report and I have no reason to pay these people. The collector have garnished me 3 times and took my bank account wages. When I call the number of the debt collector I can never speak with the man thats garnishing me he is always in court or not accepting calls. Please help me with this financial nightmare. I have been through financial hardship from this debt company they are harassing and bullying me. I need help getting my life back on track and free of this debt.
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I consolidated a parent plus loan and a personal student loan on XX/XX/XXXX. I filed to pay by PSLF. Since that time I have made exactly 24 payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also happen to be in school currently. Twice this loan was placed in deferment without my request - it was done automatically because they saw I was in school. Both times I called and said I do NOT want it in deferment, as I am XXXX, and want/need it paid by age XXXX. It took them forever to mail the document for me to sign a waiver. I immediately faxed back both times. It took forever to take the deferment off both times. I called multiple times and was told BY XXXX XXXX XXXX   that I may continue to make my payment. It would still count toward my PSLF. I did that. There should be some sort of records that I called. According to them, I have made 12 payments. I requested a review on XX/XX/XXXX. Said it was correct. Requested a review on XX/XX/XXXX. I have called. As of XX/XX/XXXX I was told it may take 6 months, and " ma'am I need to be patient ''. I still haven't heard anything back and it has been 6 months. I am not trying to get out of paying this loan. I just need the payments I have made to count toward my 10 years!!!!!!! I did just what THEY told me to do!!!! I would have NEVER EVER EVER made those huge payments if I had thought they would not count toward my PSLF. Someone THERE told me they would count. I can not get anyone to listen. These payments are more than my house payment. I am single with a child at home with no other support. All I am asking is that my payments be counted toward PSLF as I was told. I certainly did not pay an entire extra year 's worth of payments to not go towards anything. I can not get anyone to listen. I have called, I have filled out requests, I have tried email and no one responds. Please please help me to at least get these payments to not be looked at as " overpayments '' as they are saying. ( when I owed XXXX for those months and I paid, they are saying I overpaid, and overpayment doesn't count toward PSLF ). Please please help with this.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had an ongoing issue with Bank Of America ( BoA ) Bill Pay for over a month now. 

I opened a joint savings account for me and my wife to pay our credit cards with. Bank of America ( unlike all our other credit cards ) does not allow savings accounts for Bill Pay. I asked a BoA what I should do and she told me to add the savings account as a checking AND money market account on bill pay and the system would be fine. It turns out this was awful advice as it cause a fraud alert on the system ( trail deposits were rejected by my savings account as BoA had an account type mismatch ( calling it a checking/money-market when it was a savings account ). BoA has not disabled my Bill Pay and have prevented me from unlocking the Bill Pay. I am unable to add any new accounts to bill pay and I can not pay my credit card online or set up auto pay. Not allowing a customer to set up auto pay is a predatory process and BoA has offered no resolution on how to fix the issue. 
The only resolution I was given that could " possibly '' work is to send in a paper form ( or fax... who uses fax?! ) a voided check to prove account ownership. I can not send a voided check as this is a savings account... not a checking account which I told them over and over and over again. I sent documents proving proof of account ownership ( bank statement, direct deposit form, online banking screenshots ), but they stated they received nothing and it has been over a month since these documents were sent. 
They have no provided any verification that my online account will ever be unlocked and continually do not provide any assistance on fixing this issue. 

All I want to do is add the joint checking account to pay our credit card bills ... but BoA is making this impossible. 

They are requiring ANY new accounts to be added have to be mailed with a voided check to a random XXXX XXXX in Ohio... so i have to send my private account credentials to a XXXX XXXX in Ohio. They state I can still make payments over the phone ... which is not a simple and easy process and just makes paying my credit cards harder. 

They have made paying my credit cards a excruciating task and offer no assistance to fix anything. 

I have already sent them required documents and they have provided no resolution.
Consumer complaint received 2018-10-11
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: EQUIFAX, INC. (GA)

I didn't authorized ( authorization ) too view / pull credit for new accounts!!! 
( Identity Theft Victim - Equifax Data Breach )!!! 

Inquiry details : XXXX!!! 
XXXX XXXX  Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX XXXXnquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank Inquiry details : Equifax!!! 
XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

my student loan amount keeps increasing every month. I ask and they told me that my school did not report correctly the information to the loan servicer, and they adding more money for that. They change the interest rate and increases the amount that I have to pay again. I request Information regarding the reporting problem and they fail to provide me with the information. I need your help in solving the problem since the money going up and up.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Total Card, Inc. (OH)

these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX  and other agencies and will file for damages up to {$1000.00}
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

XXXX XXXX is trying to collect debt from me for XXXX XXXX and I do not have XXXX XXXX  and have never had them. I have wrote multiple letters saying this account was identy theft and have sent multiple with my signature.
Consumer complaint received 2021-12-30
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. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 44 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 ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report promptly. Therefore I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was impacted by the data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-10-11
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. (MD)

XXXX XXXX set me up with equipment that raised my bill and failed to fix a problem for 7 months, and had me renew my contract under false pretences by sending a technician to my home and tricking me into believing that my service issues were resolved, and they were not. So I cancelled the contract under false representation of their service. XXXX is trying to charge me an early termination fee for which I dispute being I would not have renewed with XXXX if they would have fixed the issue with my boxes buffering. While we are still in the process of negotiating a fair price XXXX reported a collection on my credit in an attempt to denigrate my character. I have not had a late payment or collection on my credit in over 15yrs. And the final decision had not been communicated to me as a matter of fact no manager has called me back as of date. Nor has their been any attempt at reimbursing me for the 7 months that my service was not working. The collection has not been resolved yet XXXX reported to the credit agencies without attempting to return my phone calls.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (FL)

I recently opened a Suntrust checking account with the " XXXX XXXX XXXX Debit Card '' that offers a sign up bonus " Earn XXXX bonus miles after your first PIN Point of Sale or signature-based purchase ''. I completed the requirement on XX/XX/XXXX with {$1.00} purchase at " POINT OF SALE DEBIT XXXX XXXX WA ''. I've reached out the Suntrust through messages multiple times and still have not received the XXXX sign up bonus miles.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (PA)

Barclays has failed to Credit me for a return of Items to XXXX XXXX in XX/XX/XXXX. 
All ITems were returned to merchant XXXX an documented.

Barclay never issued the credit. Now accumulating fees etc. NOTE THE PROBLEM IS THE REFUND WAS ISSUED TO OUR ACCOUNT ENDING IN XXXX which was closed by XX/XX/XXXX. 
The replacement for the account was account XXXX so the credit never reached it. 
Dosent stop you from confirming with XXXX. 

Mastercard XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX
Consumer complaint received 2018-10-10
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: AUTOMOTIVE CREDIT CORPORATION (MI)

I contacted Automotive Credit Corporation in regards to a credit inquiry I did not authorize. I was transferred to XXXX XXXX XXXX XXXX whom Collections representatives are extremely rude. They pulled my XXXX report on XX/XX/XXXX without my authorization. When I asked them why they said I signed a contract back in XX/XX/XXXX which authorized them to pull my credit report whenever they feel like it and the contract has no expiration date per XXXX whom was rude. My concern since I have no contract with XXXX XXXX XXXX XXXX they pulled my credit report fraudulently. I did not give them permission on XX/XX/XXXX to pull my report. Automotive Credit Corporation is also reporting to XXXX  incorrect information on a collection account. They are continuously reporting I have a XXXX balance and I have received documents that my current balance owed to them on court documents is XXXX. My employer certified a final statement on garnishment to them with the court ordered amounts. I tried to resolve the issue with them and I am getting no where. Their representatives are rude and do not seem to know what they are talking about. I would like the hard inquiry on my credit report investigated and removed. I will also like them to update my XXXX report with the current amount owed per my court documents or to settle for the said amount in my court documents which is XXXX.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I need to remove the Fraud alert and credit freeze off my credit report ASAP!! I have called XXXX   and it still was not done. I need the updates below done. I dont have a phone number on my credit report either. 

New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX Phone Number : XXXX Please remove the the Alerts ASAP!!!!!
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (NY)

I tried saying and contacting BBVA. Here it is. This account was a suggestion request by a XXXX XXXX XXXX profile on XXXX XXXX XXXX. He initiated contact with me. This profile is going to have his contacts who he claims to be Hackers and will try to use this account. I tried calling BBVA hurry close that account before it's too late but nothing. It was not my intention. It was a XXXX XXXX XXXX with his contacts who requested that I open the BBVA account. Please close that account. This XXXX XXXX XXXX has my social security number ID address, where I work everything.
Consumer complaint received 2024-08-15
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: Experian Information Solutions Inc. (IN)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX