davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
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: Experian Information Solutions Inc. (FL)

I did not authorize XXXX XXXX XXXX XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX XXXX XXXX XXXX did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and Experian reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Consumer complaint received 2019-04-04
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (FL)

Continually receive calls from this company after asking them not to call me. 
Have told them to contact the co-borrower on the account. 
Have also received threatening letters, stating that legal actions could be taken against me.
Consumer complaint received 2019-04-04
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: Experian Information Solutions Inc. (WV)

I recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

I am filing an complaint due to I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance XXXX XXXX XXXX XXXX : MAIL ORDER HOUSES Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX : MAIL ORDER HOUSES Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (FL)

Hello, After my debit card was many times blocked due to suspicious activity I decided to close my account. I call to the bank and they told me I would have to go to the Branch, after visiting the branch I was told that my account will be closed and I will get the check by mail after the pending transactions posted into my account.

After 3 weeks nothing happened, I don't have an online access to my bank anymore, but when I call the bank automatic service I can verify that bank account is still open and the money is there. It seem the bank doesn't want to give my money back!
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (MA)

I am a Care Credit cardholder. The enrollment was made for XXXX expenses of {$2000.00}. under my husband 's name because I did not have credit history on that moment. After my school loan, Care Credit is my first experience of credit card. Unfortunately, I did not know enough about credit cards. 
During the enrollment process I was talking on a phone with Care Credit representative who did not educate me and did not provide clear information about loan interest on top of that they were misleading about how fees work. And I was only provided with an agreement and Care Credit booklet by the XXXX office and received nothing from Care Credit. Everything that the representative said to me sounded as If I fail to pay the debt in full by the end of promotional period, i must pay accrued interest on the remaining balance. I made my first payment in XX/XX/2017 and continue to pay till now. Since i do not have enough experience with credit cards, I had no clue that all this time I paid just interest for {$1400.00} and owe {$2000.00} because of my late fee and interest. Care Credit online payment page looks confusing, it does not say any word such as fee or interest. Instead of it the page shows minimum pay due then make payment and view payments ... also i can't see my whole history of payments, only last 12 months another problem that I had with Care Credit, I could not reach representative on a phone to explain this situation to me I reached only recorded voice with the options to press buttons which sent me to recorded voice all over again and only yesterday my coworker gave me an idea to press 0 and I finally spoke with representative and was told how much I owe. The options I was given stressed me out more. I owe {$2000.00} and all period of time i payed interest and late fees, and if I continue pay minimum amount as it is shown on the web page, it never ends ...
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I HAVE APPLIED FOR HARDSHIP ASSISTANCE DUE TO FINANCIAL HARDSHIP, I NOW HAVING TO TAKE CARE OF MY ILL DAUGHTER AND MY CURRENT FIGHT WITH XXXX AT AGE XXXX. I WS DENIED FOR HELP PER MY SERVICER " THE OWNER OF MY MORTGAGE HAS THE RIGHT OF APPROVAL AND HAS DENIED BASED ON A BUSINESS DECISION ''. HOWEVER!! THEY THOUGHT THE BEST DECISION WAS TO APPROVE ME FOR A REPAYMENT PLAN! LET ME EXPLAIN TO YOU MY INCOME VERSUS THEIR BUSINESS DECISION SO YOU CAN UNDERSTAND VALIDITY OF SITUATION. MY FIXED INCOME FROM XXXX IS A TOTAL {$4200.00} GROSS AND {$3300.00} NET, THE REPAYMENT PLAN SPS AND MY INVESTOR STATED I WAS APPROVED FOR AS THE BEST OPTION IS {$4600.00}!! THAT IS MORE THAN COMBINE GROSS THAT WE MAKE. 

AS YOU CAN SEE THEY ARE NOT INTERESTED IN HARDSHIP ASSISTANCE BUT TO PUT SOMEONE IN GREATER HARDSHIP TO INSURE I LOSE MY HOME. WELL, THAT IS NOT GOING TO HAPPEN, I WILL SUE AS WELL AS I AM WRITING/CALLING MY CONGRESSMAN AS WE SPEAK AS WELL AS MY ATTORNEY GENERAL BECAUSE THIS IS EXACT DEFINITION OF PREDATORY LENDING AND AGE DISCRIMINATION. 

I HAVE PURCHASED MY HOME IN 2005 AND HAVE NEVER ONCE RECEIVED ASSISTANCE AND IF THEY WOULD RESET MY LOAN TO 30 YEARS WITH TODAYS CURRENT RATE I WOULD BE ABLE TO MAKE MY PAYMENT AS IT WOULD BE LOWER. HOWEVER, THEY WILL NOT BECAUSE THEY FIGURE WHY DO THAT WHEN I WILL BE XXXX XXXX XXXX, SO LETS JUST TAKE THEIR HOUSE NOW. 

I WILL NOT BE VICTIMIZE BY ANYONE LET ALONE BY MY INVESTOR AND SERVICING COMPANY. 

I HAVE ATTACHED THE OUTRAGEOUS REPAYMENT PLAN AND MY FINANCIAL FIGURES TO SHOW THAT THEY ARE ONLY INTERSTED IN TAKING MY HOME. 

WE WILL SEE WHAT SPS AND MY INVESTOR HAS TO SAY TO MY CONGRESSMAN XXXX XXXX AND ATTORNEY GENERAL XXXX XXXX. 

HOW DARE YOU TRY TO TAKE ADVANTAGE OF SENIOR CITIZENS, SHAME ON YOU!
Consumer complaint received 2019-04-04
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. (FL)

This account has a XXXX balance and was paid to XXXX XXXX XXXX via Federal Income Tax Return being garnished in 2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a XXXX   balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # XXXX
Consumer complaint received 2019-04-04
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: EQUIFAX, INC. (NJ)

This company as well as the other company side with credit card company and believe anything the card company tell them over the real truth. Credit card that was issued by XXXX XXXX card was duplicated and many charges made, however despite many attempt equifax, XXXX XXXX and XXXX  report whatever the Credit card company tell them and this is not fair. I plan to start a law suit against the there company and XXXX XXXX XXXX if they dont removed the negative information about being late on payment. I stop making payment because those charges are not mine.
Consumer complaint received 2023-11-24
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)

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 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

This is for a XXXX credit card managed by synchrony lending. I made a {$1500.00} payment and did not see it show against my XXXX credit card balance. I inquired if they saw it on their end. From there they have added XXXX to my account with the reasoning I disputed a transaction and lost. At a minimum I would like to have {$1500.00} removed from my account. They are saying the two {$1500.00} payments are them crediting my account when I inquired about the payment not showing. Even if this was true I would still be owed {$1500.00}. Once I get the {$1500.00} I will move on to potentially disputing the payment I made that never showed on my account. Attached is a screenshot showing all {$1500.00} transactions for the history of my account. You can see there are two showing on XX/XX/XXXX. They are telling me there was only one on XX/XX/XXXX. I have messaged them many many times and called with no movement or attempt to resolve this. I am over my limit and being charged interest as well.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (FL)

My XXXX CARD WHICH I GET MY SOCIAL SECURITY CHECKS DEPOSIT WAS HACKED AND CHARGE WITH XXXX XXXX   WHICH IS BASED IN XXXX, I REPORTED IT TO XXXX CUSTOMER SERVICE AND GOT THE COLD SHOULDER, WHICH {$760.00} WAS HACKED FROM MY ACCOUNT.I EXPLAINED THE URGENCY I HAD TO PAY MY RENT AND IT WAS A COMPLETE BLOWING UP MY NOSE KIND OF FEELING, ANY ASSISTANCE I CAN GET WILL BE APPRECIATED.
Consumer complaint received 2022-03-11
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. (NY)

This is inaccurate and should not be on my report A company has gotten my medical report, I did not give permission for them to have it nor did I sign for them to have it. This is a violation of my rights.
Consumer complaint received 2019-04-05
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. (KY)

I have disputed these accounts a few months ago, however the credit reporting agency has not reacted properly due to the fact that these are not mines and the reporting agencies never provided me with any type of certified documentation to support their claims of Verification. As stated within the laws of the FCRA if you can not provide the consumer with the Method Of Verification used in the investigation then these following accounts shall be blocked immediately and permanently. My identity has been compromised. Please delete these accounts 1 ) XXXX XXXX XXXX {$200.00} 2 )  XXXX/ XXXX XX/XX/XXXX ) Dept Of ED/ XXXX {$6100.00}, {$7700.00}, {$5300.00}, {$3500.00}, {$2400.00}, {$1100.00}, {$630.00}, {$240.00}, {$130.00}, {$1300.00}, {$1300.00}, {$2300.00}, {$6100.00}, {$4800.00}, {$3500.00}, {$3200.00}, {$3100.00}, I'm demanding that these accounts be removed.
Consumer complaint received 2019-04-05
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)

I have disputed these accounts a few months ago, however the credit reporting agency has not reacted properly due to the fact that these are not mines and the reporting agencies never provided me with any type of certified documentation to support their claims of Verification. As stated within the laws of the FCRA if you can not provide the consumer with the Method Of Verification used in the investigation then these following accounts shall be blocked immediately and permanently. My identity has been compromised. Please delete these accounts 1 ) XXXX XXXX XXXX {$200.00} 2 ) XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX {$6100.00}, {$7700.00}, {$5300.00}, {$3500.00}, {$2400.00}, {$1100.00}, {$630.00}, {$240.00}, {$130.00}, {$1300.00}, {$1300.00}, {$2300.00}, {$6100.00}, {$4800.00}, {$3500.00}, {$3200.00}, {$3100.00}, I'm demanding that these accounts be removed.
Consumer complaint received 2019-04-05
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. (MO)

Back in XXXX an disputed account ( XXXX XXXX XXXX ) was deleted from my credit report, However, as of XX/XX/XXXX the same account has been reinserted without my knowledge nor consent. The FCRA specifically says " that information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. In addition, the consumer reporting agency is required to send the consumer written notification within five ( 5 ) business days that the information has been reinserted, and provide contact information for the company that furnished the information, and they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports of information that is deleted. I would like this account blocked permanently or I shall file suit against the credit reporting agencies, I was not notified of anything and this account ( XXXX XXXX ) has been deleted for over 2 months, way passed the allotted time frame allowed by the FCRA.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (LA)

In XX/XX/2017, Ally Financial ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Consumer complaint received 2019-04-03
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. (FL)

I recently submitted a request for investigation of a XXXX XXXX XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ),  and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (KY)

XX/XX/2019 I got a notification from XXXX XXXX saying I had a hard inquiry pulled from Synchrony Bank ( Syncb/Lowes ) The date that it was actually pulled was XX/XX/2019. 

XXXX/XXXX/2019 Contacted XXXX XXXX, they tell me to get in touch with Synchrony Bank. The bank tells me to contact Lowes. I can not get a straight answer from anyone.

I did not authorize this hard inquiry as I don't even have a Lowes in my town. Please help me with this matter.
Consumer complaint received 2022-12-27
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus last XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have never done any business with a company called PORTFOLIO RECOVERY ASSOCIATES, yet they misuse my personal information which they fraudulently obtained. I would like to know who this company is and why they have my information, furthermore do I need a contract showing my signature and nature of business with this company as they are committing fraud using my information.
Consumer complaint received 2019-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Check N Title Loans (TX)

I applied due to electricity being turned off ... .I have XXXX XXXXXXXX XXXX from XXXX XXXX so a/c is crucial to my proper breathing. When I saw t payments of {$60.00} ... I was COOL but that 6th payment was XXXX! WOW!!
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MT)

I finished XXXX school in XXXX of XXXX and began paying my XXXX school loans ( all Federal Direct loans ) in XXXX of XXXX. I am a XXXX XXXX in the Public Service Loan Forgiveness program and thus my servicer is Fedloans. 

In early XXXX I applied for reduced student loan payments based on my income. I selected the 'PAYE ' repayment plan. When Fedloan processed my application on XX/XX/XXXX, they determined that I was not eligible for the PAYE plan. In this situation their procedure is to place the applicant on the plan with the lowest monthly payment that they are eligible for. That plan should have been REPAYE, which caps payments at 10 % of discretionary income. Instead I was placed on IBR, which capped my payments at 15 % of my discretionary income. I have stayed on IBR since then, making my monthly payments. This means I have been paying approximately {$200.00} more per month than I should have. 

I contacted Fedloan by phone today and spoke with XXXX, with the employee ID of XXXX. She acknowledged that they made " a processing error '' and she acknowledged that, on XX/XX/XXXX, the plan with the lowest monthly payment that I was eligible for was REPAYE. She said that she would put me on REPAYE starting today. However she says that it was my responsibility to select the correct repayment plan initially and therefore Fedloan will not refund me the additionally money I paid over those years as a result of being placed on the IBR plan.
Consumer complaint received 2019-04-05
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

hello, I was getting ready to ship into XXXX XXXX for the XXXX XXXX. I pay my auto loan through citizens one, I went to a bank branch to personally speak with someone to get a three month deferment for while i was away for XXXX XXXX, they agreed to help me with it, they asked for my orders which they received and told me it would be taken care of. I came home early for health reasons four weeks after the deferment should of already taken affect. then come to find out I have " delinquent charges '' for not paying and that the company had no notes or anything regarding my request. several Points were removed from my credit score and I would like to see them recovered considering I was physically unable to make my payments and the company didn't do what they promised to do.