davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

General Revenue Corporation has a loan of mine that has expired by the State of California Statute of Limitations ( let 's say in the amount of {$1000.00} ). They have recently filed a derogatory mark on my credit in the amount of {$83.00}, which is much less than the amount of the expired loan. When I contacted them regarding the loan, they couldn't give me any information about where this {$83.00} amount came from, but stated the amount of the loan was the amount of the expired loan ( {$1000.00}, in this example ). 

They won't let me pay off the {$83.00} for the derogatory mark to go away, and instead want the {$1000.00} which has expired. I'm concerned if I pay {$83.00}, this will count as a payment towards the {$1000.00}, which could reset the statute of limitations on that loan. 

I would like to 1 ) Know why I owe the {$83.00} ( willing to pay that off, if it comes to it ) 2 ) Ensure that I'm not resetting the statute of limitations on my {$1000.00} ( ish ) loan.
Consumer complaint received 2018-07-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MN)

Since XX/XX/2017, I've been receiving multiple phone numbers from XXXX XXXX for someone that is not me. I sent a message via their online portal ( XXXX XXXX XXXX ) to stop harassing me, or I would contact the CFPB. They did not.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

On XX/XX/2018, I opened an account with CitiBank based off the {$500.00} promotion. I was told by the personal banker that if I keep my account at {$15000.00} or above for three months, I would receive {$500.00}. 8 months later, I have yet to receive my bonus. I was recently informed by the personal banker that she misinformed me and did not open up a savings account, which she should have I was later told that the savings account was one of the qualifiers to open an account. I followed up every month and I was told several times by the personal banker and customer service that I should be receiving my {$500.00} soon as I have all the qualifiers, but three weeks ago I was told that I can not receive it because of no savings account.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc. (MD)

I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with ARS on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST
Consumer complaint received 2024-11-17
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. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I reached out to the 3 bureaus almost a year ago regarding my public record/rental background. I have 3 evictions that doesnt belong to me. They continue to get me mixed up with my father. Ive told them Im a XXXX   and hes a XXXX.  They told me I needed to submit documentation of the leases which I dont have because Ive never rented or owned a home at all. I just want those items removed because theyre affecting my life with me being able to rent. They cant even verify who it belongs to because the courts dont give out full social security numbers so them reporting those evictions on me are not apart of the Fair Reporting Act.
Consumer complaint received 2024-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-17
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX, and XXXX XXXX were previously removed after a dispute but have been improperly reinserted. 

this violates FCRA 611 ( a ) ( 5 ) ( B ) ( no notification/ verification before reinsertion ) and FCRA 605B ( failure to block fraudulent accounts ).
Consumer complaint received 2018-07-26
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)

In correspondence datedXX/XX/2018 I sent this company my disputes for items related to identity theft. By law the company is required to expunge all information from my credit report within 3 business days for identity theft victims. This was not done and my report is still marred by this fraudulent item. 

XXXX ACC # XXXX This is my final correspondence before taking legal action, I am requesting that they comply with the law and expunge these item within 3 business days Attached : Copy of my initial letter to this company Copy of my id theft report
Consumer complaint received 2019-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (GA)

Dear Sir / Madam : After speaking with a couple of staff members today from your office, l was requested to email the following information to check on a claim that l filed against Hyundai Motor Finance. 
Case Number : XXXX-XXXX My phone number is : XXXX-XXXX-XXXX. 
My email address is : XXXX My address is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ga. XXXX Please notify me immediate of any problems and once my files has been updated as soon as possible. Thank you. 
XXXX XXXX
Consumer complaint received 2019-06-07
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. (TX)

confirmation # XXXX I field a disputed with Equifax about an account that has shown up on my credit field, asking to find out when and where the account was open and to removed. I receive a statement from them lowing the amount and still not the information i requested. I called the number XXXX in the XXXX and all they could do was read the file back to me. 
XX/XX/2019 account now states {$50.00} XXXX XXXX XXXX
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a complaint against XXXX, TransUnion, and XXXX for failing to remove inaccurate information from my credit report despite providing enough evidence to support my dispute. I initially submitted a dispute regarding XXXX XXXX on XX/XX/XXXX, and then again on XX/XX/XXXX, accompanied by supporting documentation. However, after the XXXX investigation period, the reporting agencies failed to correct the error and continue to report inaccurate information, adversely affecting my XXXX XXXX and financial standing. It is believed that XXXX XXXX is consistently reporting random dates with no physical proof. The first noted dispute from about 3 years ago had the date of XX/XX/XXXX. I request the CFPB 's assistance in resolving this matter and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2017-08-07
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: ID Analytics, Inc. (TX)

I was rejected from a car loan by SageStream. XXXX, XXXX were all high scores except. Sagstream. I ca n't understand why Sagestream is still allowed to moniter our credit, there are many other complaints about them also ' XXXX XXXX
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

Hello I contacted the collections company National Credit systems XX/XX/XXXX about a collections account created in XXXX, I was told they have documents dated XXXX showing a leasing agreement was and broken with XXXX XXXX XXXX previously owned by XXXX XXXX in XXXX of XXXX which caused the account to go into collections for {$2600.00}. 

I explained the lease was not renewed past XXXX of XXXX and the collections company said they need to dispute the account with XXXX XXXX because the file states otherwise. On the same day I contacted XXXX XXXX XXXX XXXX multiple times via phone and email from XX/XX/XXXX up until XX/XX/XXXX and finally got a hold of her and she advised after speaking with the attorney there that they have no documents of a lease being resigned past XXXX to support the claims that where was sent to collections in XXXX. They are using a clause from the XXXX lease that states lease agreement would continue on a month to month basis until cancelled. 

I explained to XXXX the standard procedures for renewing any apartment lease which is within 60 days of a lease expiring both a yearly renewal and a month to month lease would still need to be singed off for by the tenants and documented with the leasing office. 

In conclusion, they still deny and false claims on their end and the lease was on a month to month contract from XX/XX/XXXX - XX/XX/XXXX. 

Furthermore, I requested they provided dated and detailed information and documents for the reason why they are requesting {$2600.00} I'm still waiting on this information On XX/XX/XXXX I spoke with the collections company to share with them the information since they are working on gathering this as well. I was advised they requested the information on XX/XX/XXXX and have not gotten a response from them and need to wait on them to respond to resolve this matter. 

P.S I also would like to point out they allowed someone else to sign as me on this leasing agreement. If you view the signatures they are identical. ( Attached )
Consumer complaint received 2019-06-09
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: NRA Group, LLC (MA)

There is this account on my XXXX, XXXX and XXXX credit files that I do not recognize, the account is showing with a status open but the problem is that I never had an account with this company called XXXX XXXX XXXX, there is no phone number being reported and it is also showing different open dates. XXXX  says that the account was opened on XX/XX/2014, XXXX  says that the account was opened in XX/XX/2014 and XXXX  says that the account was opened in XX/XX/2014, I have disputed this account with XXXX, XXXX and XXXX  and for some reason they tell me that the account was verified as accurate. XXXX  is reporting this account as open, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want XXXX XXXX XXXX to provide me with the original contract that has my signature on it or for the account to be deleted from all three credit bureaus.
Consumer complaint received 2019-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

Back in XX/XX/2019, I called to see what was the best way for me to handle my loans and apply for the loan forgiveness program, the representative told me that I had to consolidate the loans first and then apply for the loan forgiveness, I followed the instructions and consolidated but before doing so I made sure this was what I should do by asking them that I needed to consolidate then apply for the loan forgiveness and I was told yes. To come find out months later that was the wrong information and that now I have to start over with making payments for 10yrs before loans could be forgiven, I find that this is unfair and I already had payments that would have been counted towards the program had I been given the correct information and not had did the consolidation that I was told to do. This over XXXX  XXXX dollars minus 1 loan I knew did not qualify but the rest did, I feel as if I was not taken care of as a customer and that I was lead down the wrong path by a person I thought was well knowledgeable in what they were instructing and telling me to do.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

In XX/XX/XXXX I consolidated my student loans based on Navient 's recommendation in order to take advantage of the Student Loan Forgiveness Program. I have worked for Non-Profit Organizations full-time since XX/XX/XXXX. I was just told recently that I am not in the program. I was under the assumption that I was already 6 years into the 10 year repayment term for loan forgiveness.
Consumer complaint received 2024-09-03
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. (NC)

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

This card is associated with Amazon and XXXX XXXX exclusively. They are penalizing me claiming that my payment was rejected after telling me that it was accepted. I had extensive conversations with customer service representatives in XXXX after learning that my account had been closed without my knowledge due to failed attempts to collect my auto payments and they sat on the phone XX/XX/24 and helped me fix the problem concluding that I had an extra digit to the account number or so I thought but again I got a message XX/XX/24 that my account is overdue for {$75.00} I am at work stressed out so I panic and make a payment thinking that I was negligent. Later I reviewed the situation and realized that I didnt have any new charges on the account and this {$75.00} is just a continuation of failed auto payments and interest fees and late charges. I call support and learn that my account is closed again and all I can think about is how this will impact my credit score. How am I liable for two banks inability to work together. The funds were available, auto pay was set up and have done nothing fraudulent or illegal. The same bank account number was listed 4 times because I had to keep entering my account number to make payments manually. I got frustrated so I checked the web for issues with this Synchrony Bank and wow they have tons of complaints from irritated consumers for a bevy of reasons. They failed to connect me to a supervisor and instead transfer me to a account manager who proceeded to over talk me rather than help me with the issue.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with XXXX on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had an auto loan with capital one auto finance with a paid in full on XX/XX/2019. In mid XXXX I received a check from capital one auto finance for all the payment of {$340.00}. On XX/XX/2019 Capital One reported me to the credit bureau as being delinquent I called them and they said they was going to try to fix it and put in a dispute. Now on XX/XX/XXXX they reported me again as delinquent which is unfair my credit score dropped 20 points because Capital One Auto finance keep reporting me  to the credit bureau after I paid my car off and I even receive an overpayment checks from them they should not be reporting me every month As being delinquent which I was never late Plus I paid off my loan on XX/XX/XXXX in full. I need help disputing this matter to get my credit score back up thank you
Consumer complaint received 2019-06-06
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 — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC (MD)

Im going to sum it up quickly I was a former employee of the XXXX XXXX   I got terminated XX/XX/XXXX The XXXX headquarter location continued to pay my medical insurance benefits up until XX/XX/XXXX and now wants payment of the bill they paid so I do not agree with this bill so they sent it to the collection U S Treasury and then U S treasury sent it to Transworld System Inc I have sent dispute to both collection agency and nothing is getting done I am just being passed of back and fourth from both agencies. I am in the process of buying a home and its at a stand still because both collections agencies fail to do anything not to mention I sent in supporting documents and request several disputes. Please I am just asking that this 7 account get removed from my credit bureaus because i will be homeless as of XX/XX/XXXX Please thank you for helping in this matter I have supporting documents to go along with my claim. I am submitting termination letter from employee, invoice of description with dates of payments. bills from both collection agency U S treasury and Trans World system
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (FL)

I submitted my IDR application ( with tax documentation ) to change my IDR to the REPAYE plan ( now the SAVE plan ) on XX/XX/2023 and it still has not been approved. I was told it should take only 30 days to process this request and yet it still says its processing after nearly 75 days. My initial repayment plan was Income-Contingent Repayment ( ICR ), which was approved for PSLF. However, MOHELA removed me from ICR and has put me on " Level '', or the Standard Repayment plan, with the monthly payment amount due saying I owe approximately {$190.00}. 

When I called them in XXXX, they told me my XX/XX/XXXX application " was rejected, '' which is not correct because on their website it currently says my application is still processing. The representative told me to reapply, so I reapplied on Dept. of Education 's website after the phone call. Then, I called back in XXXX to ask why my re-application was taking so long, and the representative refused to give a reason why neither application was accepted. Instead, they told me to once again reapply over the phone. I now have 3 applications in XXXX, XXXX, and XXXX, none of which have been approved and MOHELA has refused to provide an explanation and just continues to suggest I reapply. 

MOHELA has effectively done has *removed* me from my PSLF-eligible repayment plan ( ICR ), put me in a repayment plan that it PSLF-ineligible, and appears to be *preventing* me from getting on the SAVE plan, even though I am completely eligible. I want them to put me on the SAVE plan immediately as it is my legal right to be in the PSLF program.