davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
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. (PR)

On XX/XX/2022, I went to XXXX 's XXXX in my town, in order to replace my member 's card. The employee that helped me about my card, offered me a free credit card. I asked some doubts about this issue and one of the questions that I asked was ; How this offer will affect my score in my credit?. The XXXX XXXX XXXX 's employee informed me that maybe the points will be just about 2 or 3 points. And she also told me that getting a credit card will help me to improve my score. In addition they offered me a {$30.00} of credit in my balance statement if I opened an credit car account. The information that she brought me, I believed that were truth and corrected ones and then, I accepted to apply for the credit card. She asked me about my personal information to apply and she told me that the bank XXXX XXXX XXXX  ) approved my credit limit of {$1000.00}. This credit represented a personal XXXX 's XXXX credit card. This credit if for shopping in this store and XXXX only. Also she told me that in 3 months I could apply for a master card credit, if I use well this credit. 
THE PROBLEM WAS, I received an email from my XXXX XXXX, indicating that my score changes in XX/XX/XXXX. When I logged in my account, I saw a HUGE SURPRISE!!!! MY SCORE WAS DOWN FOR XXXX POINTS, in Transunion credit bureau because of this credit card application. I make a phone call to Transunion and they told me that for this issue I had to contact the business. Then, Today ( XXXX XXXX ) I went back to XXXX 's Club and talked to an Supervisor about what I found in my credit score and I wasn't please for the XXXX XXXX that were down and I tried that they fixed this issue in my credit report because one of their employee disinformed me and for this disorientation caused this issue. The supervisor informed me that they could not fix this, that XXXX XXXX  is the entity that could help me. She make a phone call and I talked with a representative of this bank and she also indicated that they neither could do anything about this reduction of my score. She said that I have to call Transunion, in order to ask them, Why they down my score by XXXX points for this transaction?. For this reasons I want to submit a complaint, because I trusted the XXXX 's XXXX 's employee about the offer of the credit card that she informed me and observe what happened, instead of help me to improve my score, it gets worse because this application. FOR ME ITS NOT FAIR THAT THIS HAPPENED TO ME. 
I was very aware about my good score in my credit. Please, I need you help because I want to know how am I could fix my score?. Thank for your time and I hope you can help me in this issue.
Consumer complaint received 2023-07-12
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: TD BANK US HOLDING COMPANY (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (PR)

Improper collection of taxes After receiving the requested information ( evidence of tax payments, indicating the institution that made them ), I went to the tax collector agency to confirm if these payments were credited to my account. The following was found : 1. Check number XXXX for the amount of {$3400.00} has a cadastre number written on it that does not correspond to my property. So that amount is not credited to my property. 
2. My property has another number in the registry. At the moment it has not been assessed for tax purposes.

3. The person in charge of evaluating the accounts was not available that day, so they gave me an appointment for Thursday, XX/XX/XXXX, to analyze the account, find out the whereabouts of the other check and, if necessary, make the corresponding claim. 

Due to the foregoing, I request that the collection of this money ( {$3400.00} and {$860.00} ) be stopped, until it can be verified beyond a reasonable doubt, that they have been allocated to the taxes corresponding to my property. At the time of writing this claim, I do not have the {$530.00}, which the institution determined to charge me, in addition to my monthly payment. I can and wish to continue paying the {$780.00} corresponding to my monthly payment, while this situation is clarified. I resort to sending this request through this agency, for the prompt response, as opposed to resorting directly to the institution. I await your response for the benefit of both parties and that my credit history is not affected.
Consumer complaint received 2022-10-14
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. (PR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : 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  Date of inquiry : XX/XX/2021
Consumer complaint received 2022-10-14
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. (PR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have the situation with credit agencies reporting information that is not mine and it is affecting me. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognizes this debts. Please corroborate and fix instantly
Consumer complaint received 2022-10-12
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: BARCLAYS BANK DELAWARE (PR)

the dispute is with barclays bank / jetblue mastercard wants to bill us twice for a trip i took with my husband. There was an error on the original bookingh it never went thru and i never recieved confirmation email or authorized payment. I booked the same day the trip we wanted and recieved confirmation and payment was made on arrival at the hotel we were staying in we were informed that there were two reservations for rooms with another confirmation number. I then checked jetblue and they had booked 4 plane tickets and two hotel rooms to my name. As it was impossible for my husband and i to use up 4 seats on the plane and two hotel rooms when there are only two of us. I asked jetblue for proof that we had used up 4 seats and 2 hotel rooms and the only thing they sent us was proof of the 2 seats and 1 hotel room we used which i paid for.This has been going on back and forth since XXXX and i refuse to pay for a reservation that i did not authorize or use because of a computer error there system error.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

My information and wallet were stolen and also my internet was hacked and all my important passwords and login information were stolen and compromised and used to siphon money out of my account. I was so caught up in other things going on I did not notice. I tried to reach out to my bank and they would not help me and when I tried to reach out to Zelle they would not answer my phone. I have filed a police report and that did not seem to help anything.
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC (IL)

Original contract for buy the vehicle was signed on XX/XX/2023. My contract included GAP insurance which I told it was a necessity that it be on the contract or I did not want to buy the vehicle. Approximately a month later I was told to return to the dealership to resign the contract via phone by XXXX the salesman who sold me the car. He claimed it was because they found a lower price and that it was the exact same contract as before just with a different lender. At the resigning, a female employee i had not worked with prior handed me a page from the contract one by one, pointing for me to sign lines on each page. I was only shown the decrease in cost and told it was b/c of the change in lender. Neither the salesman ( XXXX ) or the finance manager ( XXXX ) who I had been working with before were at the dealership. This occurred on XX/XX/2023. I was placed on XXXX XXXX from XXXXXXXX XXXX  for the XXXX XXXX. While on orders at no fault of my own I was unpaid by the state of Illinois for over a month. I did not receive my full pay for about 3 months. This caused me severe financial stress and hardship. The nature of the course gave me little time to seek and apply for financial aid. Using class time to apply to XXXX it was denied due to the XXXX XXXX XXXX XXXX. In order to pay my most important bills to prevent loss of my residence and severe debt/credit problems I was unable to pay my car insurance. Shortly after returning home from the orders my car was hit and totaled while parked safely on XX/XX/2023. I was not in the vehicle and it was a hit and run. The perpetrator was not found by XXXX, leaving me unable to recover losses. Because of the states failure to pay me while on orders, the hit and run has left me without a vehicle; worsening my finances, unable to pay the {$500.00} car payment, and unable to get to my job. My credit has drastically decreased leaving me afraid of homelessness. Waiting for gap insurance to provide relief, I was recently informed it was removed in the second contract unknowingly by me. Additionally i made a down payment of {$1000.00} via card and another {$2000.00} via check which is not listed in the documents. Im living off my XXXX XXXX XXXX XXXXXXXX XXXX, unable to recover. The documents from both contracts are attached for your review.
Consumer complaint received 2024-04-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (TN)

After completing my degree, I had multiple student loans which would all be coming into repayment at different times creating, multiple bills. I was informed that I would need to consolidate my loans to create a single bill and then enter into an income-based repayment plan such as the XXXX plan. After consolidating my loans, I found out that my Parent Plus loans which were for my daughter 's education were all consolidated together and the type of loan was not eligible for the XXXX plan. After consolidating, my total balance was over {$250000.00} which included my daughter 's college expenses. I didn't know that my daughter 's school would be added onto mine. I asked my loan servicer if I could reverse the consolidation and I was told that it couldn't be reversed. My monthly payment is now around {$1500.00} per month even though I only make about {$2000.00} per month. Calculating my payment based on my previous tax returns is not accurate because I don't make as much money as I used to since I had to quit my full-time job in my XXXX XXXX XXXX XXXX so that I could focus on passing the course and XXXX Although I have filed married jointly and my wife makes more money than I do, We still have a high amount of monthly bills and also have been living in a camper for 3 years now and may be moving in with her parents. My loan servicer told me there was nothing else they could do and that I could make a {$500.00} payment at the beginning of the month and another toward the end of the month to try to keep from defaulting. I think that would only prolong the inevitable which would be default. I have asked for a forbearance while trying to sort this out but have not received a response from Aidvantage.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

i requested XXXX XXXX payments from a clients totaling XXXX, the deposit went through no problem it wasnt until i ordered product and balance got down to XXXX is when navy federal froze the account and informed me the XXXX  payments was done fraudulently .immediately i reach out to my customer to inform her what the bank said. she had me meet her her branch bank to talk to the manager who informed us that nothing was done fraud or improper on her in and the problem was solely navy federal doing.now they have held my money hostage for almost XXXX month and will not do anything to release my money. for the life of me how can it be anything fraudulent done and i have a positive balance. they've sent bank statements since this happen in XXXX. if this was done by fraud and i spent all but XXXX why dont i have a negative XXXX showing in the account? i have been XXXX and XXXX XXXX XXXX due to this issue.
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

Greetings, I am attempting to file a complaint regarding LVNV Funding LLC and XXXX XXXX. I was recently served due to this matter which violates the FCRA XXXX XXXX XXXX XXXX. I recently pulled my credit report and noticed several inaccuracies with this account. First, the balance owed is misreported with XXXX and XXXX. Secondly, the reported date and closing date reflect inaccuracies violating the Fair Credit Reporting Act. Could you please look into this matter? I have been a valued consumer with XXXX XXXX since XX/XX/2015 and I am disappointed the creditor is now trying to sue me. I am receiving XXXX and this matter has caused a strain in my life. I have never done business with LVNV Funding LLC and I am concerned they now have my Personal information and are harassing me for a debt that I do not have with them. I have attached a screenshot of the report with each bureau. I greatly appreciate your assistance in this matter.
Consumer complaint received 2024-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (LA)

Mohela sent me an electronic statement in XX/XX/year> listing a payment due in the amount of {$150.00} and a due date of XX/XX/XXXX. I made this payment paid in full in the amount of {$150.00} on XX/XX/year>. This payment was withdrawn from my bank account but Mohela has yet to post this payment to my account showing a balance of {$150.00} past due. I have attempted to resolve this matter via customer service phone number numerous times, through their secure message center, and through the XXXX XXXX XXXX. They have refused to speak with the XXXX or respond to my messages on the secure message center, and each time I speak to the customer service line they tell me they will submit a ticket to locate the payment and provide no resolve. I am now receiving emails stating my account is past due requesting I make a payment in the amount I have already paid. I have attached a copy of my bank statement showing the amount withdrawn from my account. I have also attached a copy of Mohela 's response to the XXXX complaint stating they will contact me directly, though no contact attempts have been made from Mohela.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I CHECK MY CREDIT AND I CANT BELIEVE WHATS GOING ON WITH MY CREDIT I DID NOT AUTHORIZE THESE ACCOUNT IN ANY WAY I WANT A FRAUD ALERT ON MY CREDIT FILES I REFUSE TO BE A VICTIM OF IDENITITY THEFT I WANT ALL OF THESE FRAUD ACCOUNT REMOVED AND BLOCK FROM MY CREDIT FILES THANK YOU
Consumer complaint received 2023-08-31
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: EQUIFAX, INC. (PA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Thank you for removing some of the inaccurate items from my file caused by incorrect credit information. However, there are still items that need to be addressed. I am disputing an inquiry in my credit file that resulted from incorrect credit report details. Here is the Identity Theft Report # XXXX. According to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information resulting from alleged identity theft within four business days upon receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 
XXXXXX/XX/XXXXXX/XX/XXXX. Please note that you have four business days to remove these items from my credit file. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (AL)

This has been ongoing. I purchased this car XXXX of last year. I have made at least two payments that were returned but I corrected them and I paid the return fees, late fees and miscellaneous fees. The miscellaneous fees will not State what the fee is for. I don't know why I'm receiving these fees. When I asked about them I can't get a straight answer.Since then I have been receiving late fees and incorrect postings of my payments. I've received different answers regarding my inquiries with each individual I speak with. I have never been over 30 days late paying on my car note. But I recently saw that I have a credit report of a 30-day late. I have called and tried to resolve this ( XX/XX/year> ) with them but I was put on hold forever and then finally they hung up ( supervisor ID number XXXX XXXX ). I spoke with supervisor XXXX XXXX ID number XXXX on when I called back. He wanted to put me on hold again but I told him no I had already been on hold for XXXX minutes and I wasn't about to hold again. He stated he didn't see where I was late over 30 days and he would forward it to accounting for review to audit my account. I asked him if he can send me a copy of that audit and he stated he would have someone call me and discuss it with me. That's not good enough I want him to send me a copy I am entitled to a copy of that audit. 
At times they would tell me everything is going to be good they don't see it where it should have been reported and they're going to clear it up but every time I call back they say the same thing and it never happens. I am trying to clean up my credit due to a recent bankruptcy and this is driving me crazy. No one at the company is taking me serious. This is holding me up for things I need to do and this is the only thing that's holding me up. I have late fees throughout my account that should not be there and other fees. But I can't get them to clean that up either. Some of my payments are being put toward interest and none toward principal. When I purchased the vehicle it was XXXX some odd dollars. It is almost a year later and I owe {$30000.00} in some odd dollars. Something's not right. I have caught a lot of the customer reps in lies about my account. It's like they don't know what's going on. Please help.