davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GL Financial, Inc. (GA)

I previously purchased a vehicle through XXXX XXXX XXXX ( with no contract legally signed by me ) that was later sold and transferred to G.L. Financial. Currently the vehicle has been paid in full, and the account is closed. However, after recently checking my credit report, I discovered one 30-day late payment for XX/XX/XXXX, but the payments for all other months prior all reflect as current/paid/never 30 days late. I contact G.L. Financial on XXXX seeking a one-time " goodwill adjustment '' to my credit report, because I was hospitalized for several weeks and literally fighting for my life due to contracting XXXX, while already having preexisting conditions, such as XXXX. While I was XXXX  and XXXX, my brother was in contact with the finance company, and made them aware of my condition and explained the possibility that I may not recover. They accommodated me during this time and allowed my brother to make payments on his own, although he wasn't able to access my finances to meet my financial obligations, he did due diligence in using his own funds to make sure my auto loan account continue be maintained as best as possible. During this same time as my XXXX, my mother passed away from XXXX and I experienced a delay in being reimbursed from FEMA for her expenses that I had to pay out of pocket. 

Unfortunately the account representative I spoke with at G.L. Financial was unwilling to remove the mark for me, and refused to allow me to speak with any type of supervisor. This negative 30 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. I feel that G.L. Financial never considered provisions and protections outlined under the CARES Act. G.L. Financial completely disregarded The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ) in their refusal to remove one 30-day late payment. As a result, I would like G.L. Financial to remove the 30-day late payment mark from XX/XX/XXXX and have it reflect as current and okay as all of the others, especially since I have met my financial obligations and paid the auto loan off well in advance. I also discontinued legal action that I was pursuing in regard to the illegal contract they purchased from the car dealer, due to my health condition at the time. 

As a result, I would like G.L. Financial to remove the 30-day late payment mark from XX/XX/XXXX and have it reflect as current and okay as all of the others. This issue has created undue situations and has caused my credit score to drop to XXXX and has in part, caused me to be denied XXXX XXXX XXXX to assist with medical expenses for XXXX treatments that are not fully covered under my medical insurance.
Consumer complaint received 2022-02-21
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (TN)

I attended XXXX XXXX XXXX from XXXX to XXXX and earned XXXX XXXX in XXXX XXXX XXXX XXXX and attended again from XXXX to XXXX and earned XXXX XXXX in XXXX XXXX XXXX XXXX. I was promised a job placement during both orientation by the XXXX representative. I never received any assistance from the XXXX XXXX representative about the job placement after graduation.
Consumer complaint received 2022-02-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

My mom passed away in XXXX, and her single family home was distributed to myself and others. Before passing away, XXXX XXXX  XXXX filed for foreclosure in XXXX, alleging that as of XX/XX/XXXX {$130000.00} was owed on the account. The court later dismissed the action around XXXX of XXXX. In XXXX the co-borrower on her loan filed for bankruptcy as a second foreclosure was filed. A new lender was appearing making a claim for an outstanding balance, but was forced to stay its action due to the bankruptcy filing. In an effort to have the federal stay lifted, a motion to lift the stay was filed and a statement of the account was provided which reflected a credit posted to the account in the amount of {$130000.00} on XX/XX/XXXX. This is the exact amount due and owing to XXXX  XXXX XXXX in the XXXX foreclosure action that was later dismissed. 

The loan belonging to XXXX XXXX ( deceased ) was paid off, but never satisfied on the record and never replaced with a new loan. During the Bankruptcy Rushmore XXXX XXXX offered a modification on the satisfied mortgage to the co-borrower, XXXX XXXX XXXX as the borrower and Rushmore Loan XXXX as the Lender. XXXX XXXX XXXX signed as the Borrower and Rushmore Loan XXXX  Signed the modification as the lender. Neither XXXX XXXX XXXX nor XXXX XXXX Servicing had authority to modify the mortgage and note as XXXX XXXX had quit claimed his interest in the property to XXXX XXXX XXXX and Rushmore Loan XXXX is not a lender and did not lend XXXX XXXX any money. Despite the fact that Rushmore is not a lender, the modification signed By XXXX XXXX of Rushmore, is being used to collect on a debt that is not owed against a property that I and my siblings and father gained title to after the passing of XXXX XXXX XXXX. 

Rushmore allowed its false modification to be presented both Federal and State Court in an attempt to foreclose on my property rights for a debt that is not owed.
Consumer complaint received 2022-02-22
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. (TX)

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I have been charged on my XXXX {$110.00} for groceries they say I ordered from XXXX. I have complained to you about this XXXX charge and mentioned that they refuse to send me any details about my non-existing grocery order. Just recently received inf from someone from XXXX that they are not responsible for this charge and mentioned Chase bank would provide the requested info. I have contacted numerous times the Chase Fraus Department, they agreed with me, posted credit, and subsequently, the charge was reinstated. I went to local Chase branch in XXXX and the branch manager and later his assistant contacted Chase Fraud- and they were promised to credit my account- actually, nothing happened. When complained to the branch manager- he mentioned it is XXXX and not Chase. I am sending e-mails asking for help to CEOs XXXX ( XXXX ) and Chase ( XXXX ) for over 2 weeks but they don't feel like responding. All I am asking for is details of this strange grocery charge of {$110.00} but they refuse to provide this information and XXXX ( the company charging my account ) refuses the same. It feels like something fishy is going on - maybe the XXXX database has been hacked and they charging their database. And maybe they hiding the hacking of their files to prevent media to discover... Here is the copy of info from XXXX sent to me by someone " AS '' Your bank should explain and provide you detail information regarding the results of the investigation, not XXXX. We do not have access to your account. Please contact their fraud department directly who are trained managing disputes and obtain a response from them. If they need guidance on how to assist with this concern, they are more than welcome to contact their XXXX Account Manager directly. XXXX
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NJ)

For about a year now I have been going back and forth with the bank how about a fraudulent charge my account. I did attempt to purchased hearing aids. The hearing aids did not work properly they not only did not work properly they fell out of money ear they required to sell phones to make it work they kept speaking to me when I wouldn't be speaking to anyone I went back to the doctor and he attempted the adjustments that just did not work. There was a warranty on them that the doctor and manufacturer both refuse to honor. Dealing with the bank I have put in multiple calls telling the bank that they've participated in a fraudulent activity find not investigating why I am still being charged for the hearing aids when the hearing aids were returned to the provider. The rudeness of the bank why you not even sending me an email telling me their findings. I have been to the XXXX XXXX XXXX to report the hearing aid company, the hearing aid company said basically the doctor would have to refund the money. The doctor refuses to and keeps invoicing me for them. The bank has just been fighting with me without explaining to me any of the information that they have collected to keep the charge on my account. I believe the bank is in a criminal act by protecting the Doctor Who Sold me defective merchandise that was returned to him. I have made my payments to the bank and have asked them for help to resolve this issue to this day they have not. I need you to step in and get my money back the bank in the doctor are on the same page but they're not giving me any explanations other than emails from the bank that I can not open. When I've notified the bank of this I've been told they would send me an updated email and I never receive it. Now on the last encounter with the bank I have complained again it's interesting to me how for the first time I just couldn't pay the payment on time that the bank was able to call me and reach out to me and chastise me for not being on time but not once for a year has the bank reached out to me to investigate my complaint. The bank is committing an act of fraud an act of deception and should be investigated on how many people they forced to buy defective merchandise. Any help you can be I greatly appreciate it I am a XXXX XXXX victim that this doctor took advantage because I can't recall or remember or find any paperwork that I may have signed the bank has frustrated me for their lack of cooperation in this investigation. 

Thank you, XXXX The following is the bank information Synchrony Bank XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX  XXXX & XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

I was selling a XXXX on XXXX XXXX and The Random person Text me like as usual is this available I said yes he said I will come in the morning and asked me do you using Zelle I said yes he asked me for my XXXX I gave it and he sent the money on my zelle but it was fake I didn't get any mails from zelle not even notifications and he called me on XXXX and he said me I sent you money please give it back my money to me he never send it and he was shouting scremming to getting his money back and he was threatening me that he will call FBI and police tomorrow and I got scared I sent the {$300.00} and After that it was scam I got to know Please XXXX help me to solve this issue. to get my money back.I have proof of everything.pictures payments mails chats of the person.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

In late XX/XX/2021, I received notice that XXXX XXXX had purchased my mortgage loan from my previous lender XXXX. 

The notice indicated I was already in arrears. I had made my mortgage payment to XXXX in XX/XX/2021. 

My XXXX account was in surplus of 2 months in advance, plus the XXXX payment. 

I contacted XXXX XXXX immediately to contest the alleged late payments. I was told that any pending payments would be credited within 30 to 90 days. 

I continued to make monthly payments. 
Multiple phone calls and emails and complaints were made to XXXX XXXX without response. 

I provided them with the information from XXXX, including the delivery number for the overpayments. 

No response. Over the course of 9 months, multiple complaints were made with no response. 

In XXXX XXXX and XX/XX/2021 XXXX XXXX placed derogatory statements on my pristine credit report. 

I have sought resolution without response, in XXXX, I contacted XXXX XXXX again, and after a lengthy wait a customer service representative advised me correspondence had been sent to the wrong email account. 

Additionally, she reported the XXXX XXXX mailbox, ( which they created and was used for all communications ) was not used by XXXX XXXX for communications. They placed important correspondence in an obscure place on their website, under a tab called Miscellaneous. 

In the interim, no effort has been made to respond or amend the deficiencies reported on my credit reports, and the account has not been credited with the overpayments. 

This are blatant and negligent attempts at fraud.
Consumer complaint received 2022-12-01
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 EXPERIAN XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-12-01
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)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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. (FL)

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as remove or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$2.00}, XXXX  XXXX Balance {$400.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXXXXXX Balance {$1000.00}, XXXX XXXX XXXX XXXX Balance {$570.00}, XXXX XXXX XXXX XXXX Balance {$1100.00}
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for TransUnion and XXXX has No date reported. 
The date of last activity for TransUnion XX/XX/XXXX, for XXXX XX/XX/XXXX, Date reported for TransUnion XX/XX/XXXX, and XXXX XX/XX/XXXX Date opened for TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX Closed date for TransUnion XX/XX/XXXX and for XXXX there is no date at all. 

XXXX XXXX Last verified by TransUnion XX/XX/XXXX, XXXX no date, XXXX no date, Date of last activity TransUnion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, The date opened is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Balanced Owed is inaccurate TransUnion {$5900.00} XXXX {$5900.00}, XXXX {$6300.00}, Creditor Type : TransUnion has XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Used this is inaccurate. 

Last Payment is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Term Length TransUnion 62 month, XXXX 62 months, XXXX has no term reported, Last payment TransUnion XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX Past Due Amount : TransUnion {$1500.00}, XXXX : {$1500.00}, XXXX : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

XXXX XXXX XXXX  reported 3 charges, to Capital One that weren't mine, total amount {$41.00}. Two letters dated XXXX XXXX sent by Capital One to me stating matter resolved and new replacement card sent with new account information. New card never sent, on or about XXXX XXXX company requested copy of my driver 's license faxed to them, I immediately did this. Company called back copy not clear. Since this time I have mailed XXXX hard copies of license ( USPS ) ; faxed at least 5 copies to them from different machines, all copies not clear ; and sent 3 copies to a secure website company provided. None of these copies clear. I have sent email to company CEO asking help in getting my new card, no reply. Don't understand how all copies are not good. I still receive monthly statements showing no balance and no activity, the Company will soon close my account because of this, I very much want and need this account. I have an excellent credit rating and 100 percent pay on time.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I opened a USAA checking account in XXXX of XXXX. It is now XXXX of XXXX and i have somehow amassed a whopping {$2400.00} in NSF fees alone. This is only on one of my accounts. The other i opened hoping to get away from the unauthorized transaction attempts, and it has racked up close to XXXX dollars in the matter of 3 months. So total in fees im close to {$3500.00} in the span of XXXX years. This is supposed to be a military bank for servicemembers and their familys and i have never felt more unsafe financially than with this bank. XXXX XXXX, i never had a problem with for 10 years. And when i called USAA to ask for a refund i was told i only get XXXX. XXXX XXXX also refunded me anytime i asked and did it in full all at once. Fantastic people there. USAA feels to me more like a trap, skimming anywhere from $ XXXX {$120.00} from every paycheck ( i get paid weekly ) and denys me what is supposed to be my money anyways! And now i hear that they are doing away with NSF fees at the end of XXXX. Are you kidding me... so is that supposed to make me feel better about all the money they already " charged '' me for unauthorized and repeated transactions from the same people reattempting almost every day? I am just sick of not saying anything to anyone about it and to be honest id hire a lawyer if i could afford it. The times are hard enough without a greedy bank charging me for nonsense. I can understand if i was actually typing my PIN in or swiping a card or writing a check. But almost every NSF fee i have been charged for was due to repeat attempts to withdraw without approval from myself.