davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (TX)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2024-11-18
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. (NJ)

I recently looked at my credit report and seen an account that was not reporting accurately. The delinquencies payment shown on my credit report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was a result of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was signed into law on XX/XX/XXXX and ended XX/XX/XXXX amended the Fair Reporting Act ( FCRA ) crisis under these circumstances. Please update this information to PAID AS AGREED for the following time period : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have called USAA multiple times. My ex husband had a credit card debt with USAA, he paid it off about 6 months ago. He has tried with I also to have USAA update the account that has paid in full. The account has been paid and XXXX  out with a XXXX  balance. The account is still showing up with negative history and a balance of over $ XXXX I have called them and written letters to have this account removed from my credit report. I can not purchase a home with this account on my report. This account was only placed in my name as an authorized user. I have documentation stating this account is paid in full with a XXXX  balance and they also refuse to remove it from my credit report. They must remove it. This account has been paid off since XXXX of 2021. USAA as a company just gives me the run around and states that i have to contact the credit agencies to have it removed. When i contact the credit agencies they state that USAA must report to them that it has been paid in full at a XXXX  balance. They just give me the run around like always.
Consumer complaint received 2018-07-09
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. (CO)

On XX/XX/XXXX I purchased A used vehicle for the amount of {$25.00}, XXX and payed it off on XX/XX/XXXX and had the title to the vehicle along with A letter stating that the loan had been PAID IN FULL mailed out to me on XX/XX/XXXX And yet the account is still showing up on my credit report as A negative account. I have reached out to the financial institution as well as the three major credit bureaus in regards to this issue, and have not gotten satisfactory results
Consumer complaint received 2018-07-09
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. (CA)

Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AR Resources, Inc. (NJ)

An old account was placed on my credit report that I have no knowledge of. This is a medical bill and is in violation of HIPPA. This should not be on my credit report. It was removed from XXXX  because it was invalid. XXXX  still has it listed and I want this removed.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

XXXX XXXX XXXX claims this account was opened on XX/XX/2016 ( 1 yr, 7 mos ) - This is not accurate ; I've never used XXXX before in my life. This needs to be immediately removed from my credit report before I take appropriate action and exercise my rights in the FCRA.
Consumer complaint received 2018-07-06
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)

I have two separate complaints, one from XXXX XXXX XXXX XXXX and one for XXXX XXXX. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX  has deleted the account, however the other two XXXX and Equifax have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXXXXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and Equifax since they have not removed or deleted the error on my report as requested. 

XXXX XXXX {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from XXXX XXXX to XXXX due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. XXXX XXXX stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with XXXX XXXX and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with XXXX XXXX and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX and the three bureaus XXXX, XXXX and Equifax since they have not removed or deleted the error on my report as requested.
Consumer complaint received 2020-05-27
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. (CA)

So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC (CA)

My sister in law received a collection letter for me but was addressed to her. 
I don't even know her home address myself but somehow they tracked her. 
Is this legal? This was humiliating. 

Notice of collection and " special offer '' is dated XX/XX/18 from XXXX XXXX XXXX XXXX They have two XXXX XXXX address : XXXX MI & XXXX XXXX MN Original Creditor : XXXX XXXX XXXX Amount owed : {$1700.00}
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (IL)

I was contacted by a rude individual from the agency on XX/XX/2018 at XXXX. When I verified my name and that the address she was providing was incorrect, she then blurts out the last four of my SSN.  This is a violation of my personal information as if you search my name, I am not the only XXXX XXXX to exist so why are you giving out the last four of my SSN??? Then After I tell her I am disputing the debt because this is for equipment that was returned. She then tells me that It is for the installments which I tell her That's incorrect. Her response is " Well if I am wrong, why are you in collections? '' I responded to her telling her not to call me ever again and ended the call. Then on XX/XX/2018, I received an additional call from this agency after specifically stating to not call me again.
Consumer complaint received 2018-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

Had an outstanding balance at coinbase and contacted them on XX/XX/18 to pay it off by transferring bitcoin to my account. Sent them an email asking if that would be a sufficient means to pay the debt owed and unlock my account. This was their response on XX/XX/18 Hi, XXXX. 

Thanks for getting in touch. 

Your purchasing ability is currently restricted due to an outstanding payment of $ XXXX   Please select your desired external payment method or deposit digital currency into your Coinbase wallet from an external source to at least the outstanding amount. You can select a payment method using this link : https : //www.coinbase.comXXXX   Once the funds are deposited in your wallet, our system will automatically reclaim the owed amount within a short time. If you would like to deposit digital currency, you can find your Coinbase addresses here https : //www.coinbase.com/XXXX Thank you for using Coinbase. 

Regards, Coinbase Support Regards, Coinbase Support At this point, I transferred the debt owed and a considerable amount more. 

On XX/XX/XXXX, XXXX XXXX  EST, the money was recieved. What was explained to me in the email is that it would automatically pay the debt off or in a short period of time. A day went by, so I called in to the support. He explained to me he could send me an email with directions to unlock my account. This is the email sent to me Hi, XXXX XXXX for your call today. 

I have checked that you have already done your part on receiving the funds for the payment of the balance. 

As I mentioned, your purchasing ability is still currently restricted since the funds are still under your wallet. 

Sorry, I will not be able to provide you a link for direct payment of the balance. I am working with a specialist to address it properly, we will be pulling out the funds from your wallet and lifting the restriction under your account. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Regards, Coinbase Support Team Another day goes by, still nothing. I called in again and got the same explanation " your situation has been escalated ''. Told them that wasn't acceptable. I already contacted them prior to all of this happening and now they are not holding up their end of the agreement. That was on XX/XX/18. As of right now there is over XXXX bitcoin in my account that is fluctuating and I have no control to get the funds out before the value of it decreases. I've sent in 3 more emails since, and nothing has gotten a response. Also sent a complaint to the better business bureau on XX/XX/18. 

I'm disgusted that a billion dollar corporation has the power to hold MY MONEY and keep it frozen out of my hands, when all I did was everything they asked me to do.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Transunion denied me my free annual credit report, claiming I had already received it. I used the XXXX  site to request my three reports. While on the Transunion site I encountered an error which cause the site to fail to proceed. After reattempting to request my report I was told I had already received it. I had not. Of course, they then attempted to sell me a report.
Consumer complaint received 2018-07-08
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. (CA)

XXXX XXXX XXXX credit card is reflecting negatively under my credit files. this account and balance do not belong to me. I have sent in a police affidavit report and additional documentation and this should not be appearing on at of my credit files. XXXX XXXX XXXX was also sent this information and advised they would have it removed as well. I have requested the three main credit bureaus remove this account but they have not and have not complied with he allowable dispute period and or notified me of the results and it is over the allowable time frame. I have sent in numerosus disputes on this. this has not been handled
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (CO)

My payments are being allocated incorrectly. I'm almost {$10000.00} ahead of schedule and when I make an excess payment I select to have 100 % of the excess payment go towards my loan with the highest interest rate. I assumed that when I make that payment it would first pay off all the interest for all loans in the account and then pay the remaining balance towards the specified loan. However, when I looked at the payment it paid principal and interest to all loans in the account. 

For example, on XX/XX/XXXX I made a payment of {$1000.00}. I specified that I want 100 % of the funds to go to loan token XXXX. And my default excess payment preference is set to 100 % of the excess to loan XXXX as well. Below as you can see only {$690.00} went to the loan I specified which is 75 % .. 

XX/XX/XXXX Payment {$1000.00} Principal - {$920.00} Interest - {$73.00} Late Fees - {$0.00} Balance - {$25000.00} Applied to Loan Token XXXX Applied to Principal {$29.00} Applied to Interest {$8.00} Applied to Late Charges {$0.00} Unpaid Principal {$2900.00} Applied to Loan Token XXXX Applied to Principal {$37.00} Applied to Interest {$8.00} Applied to Late Charges {$0.00} Unpaid Principal {$3700.00} Applied to Loan Token XXXX Applied to Principal {$8.00} Applied to Interest {$1.00} Applied to Late Charges {$0.00} Unpaid Principal {$830.00} Applied to Loan Token XXXX Applied to Principal {$47.00} Applied to Interest {$10.00} Applied to Late Charges {$0.00} Unpaid Principal {$4600.00} Applied to Loan Token XXXX Applied to Principal {$690.00} Applied to Interest {$13.00} Applied to Late Charges {$0.00} Unpaid Principal {$2100.00} Applied to Loan Token XXXX Applied to Principal {$47.00} Applied to Interest {$12.00} Applied to Late Charges {$0.00} Unpaid Principal {$4700.00} Applied to Loan Token XXXX Applied to Principal {$17.00} Applied to Interest {$4.00} Applied to Late Charges {$0.00} Unpaid Principal {$1700.00} Applied to Loan Token XXXX Applied to Principal {$6.00} Applied to Interest {$1.00} Applied to Late Charges {$0.00} Unpaid Principal {$610.00} Applied to Loan Token XXXX Applied to Principal {$18.00} Applied to Interest {$5.00} Applied to Late Charges {$0.00} Unpaid Principal {$1800.00} Applied to Loan Token XXXX Applied to Principal {$19.00} Applied to Interest {$6.00} Applied to Late Charges {$0.00} Unpaid Principal {$1900.00}
Consumer complaint received 2018-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

In XXXX, XXXX I began employment with a XXXX XXXX 

I received a letter on XX/XX/XXXX stating that I qualify for the Public Service Loan Forgiveness Program. I was given credit for 34 past payments from my previous school district. My estimated Eligibility Date is XX/XX/XXXX. 

When I received my qualification, I phoned XXXX XXXX to confirm and get any additional information that I needed. I was told that I needed to reapply every year to keep this program current. 

On XX/XX/XXXX, I phoned the company to see if I needed to reapply at the beginning of the school year or wait until XXXX to do so. 

I was told by the representative that I was not in the program and no payments have been made toward this program. Also, I did not need to reapply but fill out a new application to start the acceptance process over from the start and if I am accepted it will retroact the process. I did not matter how often I reapplied as the program does not give forward credit for my being accepted and everything is done " retroactively ''. 

This information appears to be in direct conflict from my previous letter of XX/XX/XXXX.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXXBalance : {$0.00} XXXX  XXXX****Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX****Balance : {$0.00} XXXX XXXX XXXX  XXXX****Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXXBalance : {$680.00} XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$440.00} XXXXXXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-08-24
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX : {$0.00} XXXX XXXXXXXXXXXX XXXX {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-08-24
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. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The problem is on the extra XXXX XXXX  rewards for a transaction of {$250.00}, or missing {$5.00} cash rewards from the XX/XX/XXXX rewards program. 

I have set an alert on my card ending in XXXX that whenever there is a transaction of {$0.00} or more, it will send me an email on the transaction on the amount, when and merchant information. I have email records saying the {$250.00} transaction happening at XXXX on XX/XX/XXXX PST, but my BoA online account posted the transaction date as XX/XX/XXXX. This caused me to miss the {$5.00} rewards. 

Ironically, there was another transaction of {$65.00} which happened only XXXX XXXX XXXX, and it qualified the extra XXXX XXXX  as shown in the BoA online account and alert email. 

So I am requesting the {$5.00} rewards adjusted to my account ending in XXXX. 

I also called BoA at XXXX on XX/XX/XXXX PST and got a real person to explain my situations, but unfortunately he could not help. He transferred me to another department but the automated system was too difficult for me to get next real person. 

I am simply asking for {$5.00} rewards posted to my account ending in XXXX. That's it. 

I have been a client of the BoA XXXX XXXX XXXX due to my balance of close to XXXX USD with regular direct deposit from my employer. Based on my account history, I have never been a heavy-hitter for any rewards program on the BoA. It is totally fine if BoA does not honor my request. However, I would seriously re-consider the relationship with BoA due to the loss of the trust in its reward programs if that's the case.