davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I made a purchase in Saks Fifth Avenue with the store credit card managed by Capital One. 
I never received the package and called the store to notify them. Store promised a refund and they said that refund will be in my credit card within 7 to 10 days. Refund never came to my card. 
I called back to check the status and then I was informed that they decided not to process the refund even that they promised. 
The I called the credit card department yo open a dispute per required in Regulation E. 
I was never provided with a temporary credit even that I took more than 10 days, the credit card disputes department never investigated or provided with a resolution.
Consumer complaint received 2021-03-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (VA)

The account reporting on my credit score is closed and it is " fraudulent '' and should not be reporting on my credit score. I want this account " DELETED '' from my credit score ASAP or me and my attorney will be taking legal action.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been Unable to file a dispute online with Transunion for a couple of weeks. I have tried with XXXX and often get an error message. When I am directed to Transunion site, I am unable to click the category which prevents me from submitting a online dispute directly on their site. I am often prompted to call or mail. My immediate concern is if I dispute with another credit agency on-line such as XXXX  and/or XXXX, it gives the Creditor with whom I have previously disputed online time to eradicate the information within my credit profile. In addition, since we have been in the pandemic, it takes mail takes longer to receive. Having said that, my credit has and will tank for weeks if not months waiting for a response from Transunion. Consumers should have immediate access to file online disputes with Transunion. This is causing severe hardship for me when seeking employment. Consumers can't afford the luxury of waiting when the Major bureaus get to our disputes and respond. Telephone disputes does not work towards the consumers advantage because I have no record of what was said and can not supply appropriate evidence which puts me in a further disadvantage.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XX/XX/2016 I went to XXXXXXXX XXXX for lXXXX XXXX XXXX under my XXXX. I was told about the program at that point 1 session was done. When that session was over I inquired why I still had the XXXX hairs on my XXXX I was told laser or remove XXXX hairs, and for the XXXX hairs I would have to purchase another plan on top of this plan I advised agent no I do not want to do that because as you can see 90 % of the hair on my XXXX are XXXX, so when I advised her she is now trying to get more money from me know it would not work I want to cancel the contract and pay for services that was just rendered. I was told I would get a call to make that payment she could not take it. About 2 weeks later I got that call to make a payment for {$130.00} and I paid it never received no more calls then about 6 months later started to reflect on my credit for 5 years I have been contacting them with no response then they sold it to Portfolio Recovery. This has ruined my credit for 5 plus years, and this is very unfair that companies play these games. That is how I know they got the cancellation I was contacted that 1 time paid and never contacted again they just sold it to collection agency. Having facial issues like this is very depressing, and I thought this would be good, but they gave me fraud information to get more money.
Consumer complaint received 2021-03-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (CT)

I had a lease agreement with Ally Financial. The lease end was XX/XX/XXXX. I made the final two payments towards the loan in XXXX. One on XX/XX/XXXX in the amount of {$310.00} for the month of XX/XX/XXXX and the second on XX/XX/XXXX in the amount of {$300.00}, which was the remaining amount due on the loan. I needed a letter from Ally to XXXX XXXX, who I was initiating a new lease with, that the account had been paid in full as a remaining balance of {$300.00} was showing on my credit report. When I called Ally for the letter I was told there was a remaining balance owed for property taxes and they could not send a letter that the account is paid in full until those charges had been paid. I paid the balance in full over the phone via XXXX XXXX Wire Transfer on XX/XX/XXXX in the amount of {$1300.00}. I was told my account was now fully paid and closed and they in turn faxed a letter to XXXX stating that there was no remaining balance due on my account. Two months later I received a bill from Ally saying I owed {$550.00} in property taxes and {$790.00} in extension fees. The extension fees were due to XXXX not returning the vehicle on time and they worked with Ally to remove those charges. I disputed the {$550.00} property taxes, requesting documentation of validity of charges and was never sent any supporting documentation for these charges. I refused to pay as these charges were not valid. I called Ally several times trying to reconcile this issue, but they never sent me anything to support the property taxes and only sent bills monthly while simultaneously reporting this negative information to the 3 credit bureaus. It has been almost 4 years now and I recently disputed with the credit bureaus and Ally continues to say I owe this and now has reported a recent missed payment and past due balance of {$550.00} as of XX/XX/XXXX. This has very negatively impacted my credit score and I am extremely upset. It is not right that I should have to " pay off '' Ally an amount that is not valid in order to get this resolved. In disputing with the credit bureaus I feel they automatically take the creditor 's word over the borrowers and that is not right. I would like for this charge and the negative history reported with it since XXXX removed from my credit report but do not know what else to do at this point. 
Thank you in advance, XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This debt was a debt that I did accumulate. However, the account that established the debt was opened XX/XX/XXXX which is now beyond the 10 year mark so the account should be removed from my credit report. I had paid the debt off in full XX/XX/XXXX in order to purchase a house. When this payment occurred, the original account on my credit report was deleted and a new one added as though the account was brand new hence starting over the account history. From a credit report prior to the payment, the account numbers are different than what is displayed on my current credit report further proving the account was opened as a new account with established debt and without my consent. I have documentation from these reports proving the matter is inconsistent with proper credit reporting guidelines/requirements and should be removed as this is a violation of fair credit reporting.
Consumer complaint received 2021-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was in the process of refinancing my home. To do so I would need to either pay off my HELOC or have the loan subordinated, which was my preference. When my new lender XXXX XXXX XXXX XXXX contacted Bank Of America, they were informed that my request for subordination was denied. Neither XXXX, nor I, received a satisfactory reason for the denial, although when I contacted BOA I was told approval depended on the new bank (? ). As a result, I then tried a second bank ( my current lender ). When XXXX XXXX XXXX contacted BOA, they too were told the subordination was denied and advised by XXXX XXXX XXXX that I should contact BOA to see if I might be more successful. BOA wanted documentation from me that I could not provide, but told that XXXX XXXX XXXX might be able. So back and forth I went. After several discussions with XXXX XXXX XXXX, I was basically told they could not supply the information BOA wanted. As a result, if I still wanted to refinance, my only option was to pay off the HELOC. Therein begins the actual complaint.

When the title company received the payoff statement from BOA, a {$450.00} " early closure fee '' was applied to the payoff amount. I have since contacted BOA asking that the fee be waived, since they forced my hand into closing the loan. After several calls and much yelling and screaming on my part, and always being told they could do nothing about the fee, I reached employee XXXX. After getting nowhere, I forcibly told her I wanted to speak to a supervisor. I was told none were available ( a typical Covid 19 response these days ) and was placed on hold. After several minutes on hold, XXXX came back and said she " filed a complaint on my behalf and a supervisor would call me back within 48 hours '' ( my call was placed XX/XX/2021 ). For what it was worth, I felt that I made progress, as previously, I was told that a supervisor for the equity loan department did not exist. Imagine that!! Could that even be possible? I was given a case number : XXXX. ( I was informed that the first three sets of numbers represented the year, month and date of the complaint ). I have yet to be contacted by a supervisor, or any one else from BOA!!
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc (NV)

On XX/XX/2021 I received a letter from Synergetic communications inc stating that I owed an outstanding debt of {$10000.00} and and claimed for a discounted offer for {$2600.00}. The company claims this debt was due from XXXX XXXX and XXXX XXXX. I checked my credit score on XXXX, XXXX XXXX, XXXX and XXXX and there are no current collections from this company. I have never received a phone Call or any previous notice.
Consumer complaint received 2021-03-07
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. (IL)

i have sent out numerous of letters dating all the way back to XXXX of 2020 to all 3 credit bureaus.informing them that accounts on my credit report are inaccurate and don't belong to me they have responded by saying the accounts have been verified so then i ask for proof that the accounts belong to me and i get no response and accounts still remain on the reports.
Consumer complaint received 2021-03-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently obtained copies of my credit report and noticed inaccurate information being reported on my credit reports. I contacted the credit bureaus and failed to receive a response within 30 days which per the FCRA, credit reporting agencies are required to respond with proof of validation and that has not happened.
Consumer complaint received 2022-10-31
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-31
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP (MI)

On XX/XX/XXXX, my XXXX XXXX XXXX caught fire while I was driving and was completely destroyed. I immediately contacted my insurance company ( XXXX XXXX ), the dealership ( XXXX XXXX XXXX, XXXX XXXX Mi ) and US Bank, the lease holder. At every step, the dealership and US Bank said I had gap coverage, so any remaining balance after the the insurance company paid US Bank, would be zeroed out. They stated that all leases have gap insurance. The vehicle was totaled- I never saw or drove the vehicle again after XX/XX/XXXX ( It was on the news, I have attached the news article ). 

On XX/XX/XXXX US Bank charged my checking account the monthly bill ( {$480.00} and change ). I continued to contact US Bank and they told me it would " all be taken care of, gap insurance will cover it ). On XX/XX/XXXX, US Bank confirmed they received a check for over {$41000.00} from XXXX XXXX on my behalf. After this date, US Bank told me I did not have gap insurance. I filed complaints with US Bank and they never returned my calls. Last week, I contacted US Bank and told them I was contacting an attorney if they did not resolve this. They then said that they received/cashed the check on XX/XX/XXXX, but offered no explanation why it took 5 weeks to process once they received it. I was told it could take another 5 weeks to process the total loss claim and close out my account. I was told they would void any late fees I was charged and not to worry about making any further payments. 

On Saturday, XX/XX/XXXX, I received a letter from US Banks saying they had sent my account to a collection agency. I want my account resolved, closed and a refund issued to me for the payment I made in XXXX after my vehicle was destroyed. I also want this cleared from my credit report and the collection agency case closed. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-14
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: EQUIFAX, INC. (TX)

None of my accounts are reporting to Equifax. Ive called my lenders and have been told that they report to all three bureaus. Equifax has yet to correct the issue and this is causing my account to seem as if I have not established any credit
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION (SC)

On XX/XX/2021, I opened a checking account with Regions Bank XXXX, SC. I gave them a check from a local bank for {$1500.00}. I was given a Debit card which the banker said was good now. When I tried to use it that night it was declined for a {$.00} senior drink. I called customer svc but closed. Called next morning and was told there was a 10 day hold put on my check and the local bank did it. He said the Main ofc did it. He released the hold. My daughter, an attorney, said it is against the banking laws to put a hold on a local check.Then the main bank in XXXX, AL sent me an email and regular mail letter saying they put the hold on the check because " they had confidential information that the check may not be paid ''. The bank on which I wrote the check said they could not get that information. I talked to the Branch Mgr of the XXXX XXXX  and he gave excuses why they put the hold.on. I had enough in my account to pay that check and it was paid that night. I want something to be done so they do not break the law again.
Consumer complaint received 2021-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (NC)

On XX/XX/XXXX, I went online to pay my bill and saw that they were offering a Deferment Program for people who had been affected by the pandemic and were having problems paying their bills. I called their office and was told that I could defer two months, but that they would be adding seven months of payments onto the end of my last payment. Seeing as I had no choice, I agreed. I had no money and was no longer working because of the NC Governor 's Stay-At-Home Order because of Covid-19. I questioned the seven months, but was told this was what they were offering. Seven months for two months of deferred payments. 

On XX/XX/XXXX, I went online to see if another deferral was offered since I was still not working and had received no unemployment pay. They were offering another two months. I did not call the office this time, because I could do everything online. When I finished my application online, I submitted it. I was not told that there would be any additional months added to the end of my loan, and I was very relieved. 

I began working a gig job in late XXXX, so in XXXX I was able to resume payments. I went online to check my status and was surprised to see that they had added an additional three months without my knowledge or approval. Instead of a 36-month loan, I was not at 46 months for four months of deferral during a pandemic. I called the office to question them about this, but they again said that this was the deal even though I knew nothing about it. I continued to make payments from XXXX thru XXXX thinking that I was making a dent in my balance. 

In XX/XX/XXXX, I went online to see my current payment history and was shocked to see that only four of my ten total payments was documented online. I began calling their office to ask if I could get an email copy of my payments, but four times that I called, I was put on long Holds, then disconnected. I finally asked to speak to a manager, but was emailed a copy by an agent before she transferred me. I then noticed that five of the payments that I made in XXXX, {$400.00} each month, all went to interest. No money was applied to my principal. I understood now why agents were putting me on long Holds and then disconnecting. They probably found it difficult to try to explain five months of interest, over {$2000.00}, having been applied to my account. Once again, I knew nothing about this. If you have already added ten months to the end of my loan, why would {$2000.00} be applied to the loan at this time? 

What this company is doing has to be unethical and that is why I am writing submitting this complaint. 

Thank you.
Consumer complaint received 2023-05-11
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: United PanAm Financial Corp. (FL)

A loan for a vehicle has appeared on my credit. The company name is United Auto Credit Co. they are located XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
I have contacted the funding department at the number listed. This company does not have my name, social security number or address on file. But XXXX has managed to changed my personal information on my credit report as well added this account to it. I again reached out to United Auto Credit and spoke to a lady XXXX XXXX XXXX number above. She managed to help me when I gave her the address that XXXX had updated on my credit report ( which I don't know how they did that with out documentation ). When she pulled up the account under the address of XXXX XXXX XXXX XXXX, FL XXXX. She realized that my information was not in that account. United Auto Credit has sent a request to XXXX stating this account is not mine. But XXXX still yet has not removed this account from my credit report. I have sent XXXX documentation of my identity. I have also requested them to send me documents of what they have on this loan. Again no response. I am emotionally distress with this situation. I am needing help to solve this issue.