davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MO)

XXXX XXXX XXXX canceled my XXXX XXXX cruise and gave me a credit for {$390.00}. On XX/XX/XXXX, Barclay sent me check # XXXX. I misplaced the check so I asked Barclay to send a replacement check for {$390.00} on XX/XX/XXXX. On XX/XX/XXXX the they stopped payment on that check but I did not find out until XX/XX/XXXX. Then on XX/XX/XXXX they sent me a check for {$70.00}, check # XXXX. I have no idea where that amount came from since I was expecting the check to be {$390.00}. I deposited that check thinking it must have been an overpayment for something else. I got a notice from my bank XXXX XXXX XXXX that the check for {$70.00} XXXX XXXX ) was returned due to a stop payment on XX/XX/XXXX. My bank charged me {$10.00}. On XX/XX/XXXX I again sent a message to Barclay telling them that the check I received was not the amount I was expecting. I then called Barclay customer service and the person I talked to apologized and gave me 100 points for that bank fee of {$10.00}. She also said they were going to replace the check I lost and confirmed it was going to be {$390.00}. This occurred around the end of XX/XX/XXXX. On XX/XX/XXXX there is a credit for & XXXX and then on XX/XX/XXXX they sent me another check for the same amount of {$70.00}, check # XXXX. I still have this check and did not deposit. I once again called them about the {$70.00} and again said the check was suppose to be for {$390.00}. I was again told that I would receive my {$390.00} check on XX/XX/XXXX. I received a check for {$130.00} - no idea what this bank is doing to me! On XX/XX/XXXX I found the missing check for {$390.00} and not realizing that a stop pay had been put on it I deposited it and again it was returned by my bank, charging me another {$10.00}. I feel I am getting nowhere with my requests since this has been going on for 5 months. I have made numerous calls to their Customer Care department asking to speak to managers about this issue. Even the managers told me I was going to get a check for {$390.00}! Barclay can check my call records showing the above. 
So on my statements are these amounts XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( {$70.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX idea what this is for!
Consumer complaint received 2021-03-23
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. (AL)

The account with XXXX on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I have tried calling and doing everything i can to get these fraudulent inquiries off of my credit report they said they have reviewed it but they have not removed it! below I am putting a list of fraudulent inquiries that equifax will not remove off of my credit report which is directly against the fair credit reporting act. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Above is a list of fraudulent inquiries that equifax hasnt removed off my report after i have repeatedly explained they are fraudulent and that they are going against they Fair Credit Reporting act and i need someone to help me hold them accountable
Consumer complaint received 2021-03-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (CA)

I had a XXXX XXXX lease ( VIN XXXX ) and returned it in XX/XX/XXXX. Before the lease return, I replaced 4 tires per lease end guideline to avoid excess wear charge. Also in XX/XX/XXXX I purchased a new XXXXXXXX XXXX  ( VIN XXXX ) with cash. In early XXXX I received the final bill which included {$390.00} disposition fee and {$320.00} excess wear charge. I want to dispute both charges. 
First, my lease agreement XXXX ( t ) says " Disposition Fee Waiver : The Item 4A Disposition Fee will be waived if you purchase or lease a new General Motors vehicle when the Lease ends ''. Since I purchased a new GM vehicle, the disposition fee for my lease should haven been waived. 
Second, I replaced the 4 tires per lease end guideline and emailed GM Financial the tire receipt. So the excess wear charge should have been removed. 
Therefore, I want GM Financial to waive both excess wear charge and disposition fee which was {$770.00} in total and refund my payment of {$420.00} for the bill.
Consumer complaint received 2021-03-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus Experian, XXXX  and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes XXXX sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. 

Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my XXXX  XXXX subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.
Consumer complaint received 2021-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

I uploaded, through my account on the XXXX website, an application for Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF, on XX/XX/XXXX. Knowing Fedloan would deny my application for PSLF, I sent an email, on XX/XX/XXXX, to XXXX and requested to be reconsidered for loan forgiveness using the TEPSLF criteria. 

On XX/XX/XXXX, I received a PSLF denial letter through my inbox on the XXXX website. And on XX/XX/XXXX, I received a PSLF Qualifying Payment Update letter summarizing my qualifying payments towards PSLF. 

On XX/XX/XXXX, I emailed XXXX and asked for a status update on my TEPSLF application. I received a generic email response from Fedloan, on XX/XX/XXXX, stating, " Once you have submitted your request for consideration for the TEPSLF opportunity, please allow 60120 days to receive a response regarding your eligibility ''. 

On XX/XX/XXXX, I sent an email response informing Fedloan it has been 154 days since I submitted my TEPSLF application. And asked if there is any additional information they could provide- if someone was currently reviewing my application and if they are waiting on additional information. On XX/XX/XXXX, Fedloan responded my account is currently under review with the Department of Education and may take up to 120 days to receive a response. 

It has now been over 200 days, as of XX/XX/XXXX, since I submitted my application and I have not received any information from Fedloan regarding my TEPSLF application. Because of the many customer service troubles I have encountered throughout my history with Fedloan, I am concerned my TEPSLF application is in a perpetual status of " currently under review ''. 

I would greatly appreciate any assistance you could provide to me regarding my TEPSLF application. Thank you!
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Identity Theft/Access to XXXX  XXXX XXXX to acquire XXXX banking information. 

XXXX XXXX  XXXX 1 Compromised Email Dark Web Alert and Phone Number Unknown Phone Number:XXXX Subjects XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-23
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. (VA)

hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK (IL)

I received a notice in the mail from TCF Bank on XX/XX/XXXX, dated XX/XX/XXXX, notifying me that an account in my name was been overdrafted. I did not open this account, and have no relationship with it. This may be part of an on-going attempt by an unknown person to steal my identity, which has involved over 10 attempts to take out unauthorized lines of credit and loans in my name. I have an active report filed with the XXXX Police Department related to this. I have checked my credit report and there is no notice of a hard or soft credit pull by TCF Bank or Chemical Bank. I put a freeze on my credit report using all three credit agencies in XXXX. No attempt was made by TCF Bank that reached me to verify this account prior to it being opened. I just spent almost 20 minutes on the phone with a TCF Bank representative who filed an internal report that the account was fraudulently opened, but refused to freeze or close the account. I was told that if I visited a branch that it " might be possible '' to close it there.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

After numerous workarounds I was able to retrieve my credit score currently XXXX and even after a number of debts paid. I find this alarming! My score in my opinion should have increased significantly considering unanswered disputes, disputes refuses by credit reporting agency and payments made. XXXX  balances.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-23
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 (TX)

we purchased set of tables from Rooms to Go XXXX Tx. on XXXX XX/XX/XXXX, upon delivery we noticed table was damaged we ask the delivery personal to take it back but he said we will bring replacement back tomorrow, we waited for a week but no replacement arrived, then we called the store they said wait few more days we will send your replacement, after several weeks of waiting we visited to the store and spoke to the manager, who said they are unable to get a replacement and have issued us a refund credited back to the card. But the card issuer synchrony bank never stop sending us the bill, we contacted them twice over the phone and explained about the refund, than XX/XX/XXXX we send them a dispute letter in writing than XX/XX/XXXX they replied they will resolve with in 60 days but as of today XX/XX/XXXX nothing was done by the Synchrony bank we are still receiving bill from the Synchrony bank, please advise
Consumer complaint received 2021-03-19
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (DE)

Hello, I paid off my Firstmark student loan on XX/XX/XXXX. I called in today ( XX/XX/XXXX ) to ask that the account be updated to reflect PIF instead of in repayment. I was told that their systems take 20 days to update from rpmt to PIF, to allow for bounced payments, etc. I then requested that the PIF status be expedited, and was denied. I asked when my account reports next to the CRAs and was told that Firstmark is a month-end reporter ( so, XX/XX/XXXX ). However, if it takes 20 days to update the account to PIF, my thought process is that on XX/XX/XXXX the account will report open/current with a {$0.00} balance ( illogical reporting condition ).
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: EQUIFAX, INC. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
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: EQUIFAX, INC. (NJ)

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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (LA)

I can not contact my Mortgage company, Suntrust/Truist to get the proceeds from a check my insurance company sent with my, my spouse and suntrust name as payees back from Suntrust. It means we are unable to continue to work on our property which was damaged in XXXX when Hurricane Laura devastated our town, XXXX XXXX, La, and damaged our home which is financed with Suntrust. There is no way of contacting them by phone to speak with a representative. For several days in a row, I've waited 2 hours by phone and simply had to hang up. I called at XXXX, their opening hour, and immediately go on hold for hours. I need help with finding out about the check sent to them for a signature 3 weeks ago. We are at our wits end. Is this something your agency can assist me with? If not, I simply dont know how to contact them as your calls NEVER get you to a representative that can assist you, only recordings. 

Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2021-03-19
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: ENOVA INTERNATIONAL, INC. (OH)

I called the company talked to them so they were the fraud department was going to contact me still have not contact me it is not my account I did not open that account and I would like it to be taken off
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CT)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WA)

Product was sold on XXXX for a total of {$10000.00} on XX/XX/2021. Attempted to withdraw from PayPal to my linked bank account, but the transfer was denied. The entire amount of the sale minus fees ( {$9600.00} ) was then placed on a reserve for 180 days ( 6 months ). Additional documentation was asked for, which I provided, but the funds are still not released. The buyer has already confirmed receipt of the item and that it is in perfect working condition. This is unacceptable to hold the funds of a sale in which I have followed all PayPal policies in fulfillment and shipping. The buyer would be fraudulent in initiating a chargeback in the future because he has already confirmed receipt of the item and confirmed the working condition, so it is unnecessary to hold the funds to cover a chargeback. Cost of parts and XXXX fees can not even be covered because these funds are held.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax, XXXX XXXX immediately. 

XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

On XX/XX/2021 I received an updated mortgage billing statement that showed that RoundPoint had increased my monthly payment from {$880.00} to XXXX. It also showed that they disbursed {$850.00} in hazard insurance on XX/XX/2021. The problem with that is that my total for mortgage insurance for 2021/2022 year is {$420.00} PER MY INSURANCE XXXX PAGE. They paid out over twice the amount they should have to the insurance company and justified the raise in my monthly rate because there was a shortfall in the escrow account ; a shortfall caused by their over disbursement. This is the SECOND year in a row they have paid the incorrect amount and then raised my monthly payment. I can't help but feel, as a single older female, that I am being deliberately discriminated against. 
On top of that as of today, XX/XX/2021 the policy is officially lapsed because my insurer has not received their payment. Again, this is the second year in a row this has happened.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

Good evening : During the year 2020, I purchased from XXXX XXXX XXXX XXXX, XXXX 700 Boxes of its product XXXX XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX, but backed by XXXX company, which is located in California, then I I started sales through XXXX AND XXXX, of which XXXX boxes were defective, next step, I contacted the selling company and they didn't want to help me, then I started a dispute for XXXX and they couldn't help me either, then I started a dispute on the card from Chase Bank with which I bought the products and they gave me the money back and as the days went by chase bank the credit card, they reloaded it to my account for {$4700.00} and the Card is : Chase Bank number XXXX. 
Then I spoke with the people of Chase Bank and they asked me for more documents and I sent them that were the returns that my clients made on their defective products. 
CHase Bank without talking to me again gave the {$4700.00} to the company XXXX, which is a sales platform, and they sell defective products and the XXXX masks that sell them FALSIFIED, I ASK YOU TO PLEASE REVIEW THE CASE, and prohibit the company that sold, please re-sell your defective products.Thank you