davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (SC)

My student loan is with My Fed Loan XXXX Fed Loan Servicing The original loan was {$61000.00} from XXXX. I was told to consolidate my loans into one payment, and I was on forebearance for 2 years due to an injury. I began working for the public sector in XXXX and was told that I was eligible for student loan forgiveness= I registered with the Dept of Defense and sent over all of my documents to Fed Loan Then, during covid- the loans were frozen- nationwide- however - something happened and my loan grew to now almost a {$200000.00}!!!!!!!!!! Loan!!!!!!!!!! How can this happen This costs more than my mortgage. Because I work in the government my salary is already meager- but how can my loan quadruple- - when the government is 'helping ' us I have federal service for over 5 years now- who do I contact for the loan forgiveness program-? most of the HR departments are now being streamlined and are working from home- of-site- I cant afford the inflated over-charged interest and fees that have more than tripled the original loan. I graduated at the top of my class, struggling to pay bills, but still going to school full time... .where is the help for the original citizens of this country.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I called Synchrony/Care Credit serval times the first time was on XXXX XXXX to ask them to make my statements electronic because I have been having issues at my address with someone going in my mail box I do not always receive my mail. The representative said that the statements would be electronic and I would receive them that way, the following month which was XX/XX/2021 I did not receive the statement electronically which caused me to miss the payment. I called in serval times explain to different representatives and they were very mean and unprofessional, after serval calls to this company and serval threats that they would close my account if I did not pay or they would lower my credit limit they did lower my credit limit. This is unfair when it is the company 's fault that the payment was late. My limit is lowered and XXXX cant call again because of fear that the card will be closed next.
Consumer complaint received 2021-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent my second dispute letter to Transunion expressing my concerns about inaccurate information being displayed on my credit report. My first dispute letter was sent on XX/XX/XXXX, to date I have not received a reply or acknowledgement that an investigation has begun or concluded. Below is a list of inaccurate information that I have repeatedly expressed concerns about.

1. Collection Account - The following account is not mine. Please remove it from my report. 
- XXXX - Dated XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX 2. Closed Account - The following account is not mine, nor is it reporting any accurate account numbers or information. Please remove it from my report. 

- XXXX XXXX - Open Date XX/XX/XXXX - Closed Date XX/XX/XXXX 3. Closed Account - The following account is not mine nor is it reporting any accurate account numbers or information. Please remove it from my report. 

- XXXX XXXX - Open Date - XX/XX/XXXX - Closed Date XX/XX/XXXX 4. The Following inquiry was not authorized. Please remove it from my report. 

- XXXX XXXXXXXX XXXX  Your assistance with helping to assist me with this matter wuld be greatly appreciated.
Consumer complaint received 2021-12-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

I paid this account more than 45 days ago Directly with SANTANDER FINANCIAL Im sending the letter Santander Sent me as a prove. ( Attached ) I did A dispute with XXXX : no solution, no changes Im really frustrated paying everything trying to do the best I can to raise my credit score please I need assistance to delete or change this in my credit report. 

Thank you. XXXX XXXX
Consumer complaint received 2021-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ACI Worldwide, Corp. (AR)

ACI FAILED TO REFUND 3 FRAUD INDUCED TRANSFERS XXXX IS DENYING CLAIM FOR {$2300.00}. THEY ARE VIOLATING THE DODD FRANK ACT.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX at XXXX I received a call from Wells Fargo XXXX about unusual activity regarding my checking account XXXX. The person asked me about 2 transactions that were attempted in XXXX Texas. I told her that I had made no such transactions and she noted that Wells Fargo had caught both and flagged as fraud. 


She noted Wells Fargo needed to verify my identity and asked a question which I answered. She then said she needed to send me a text. She did and I gave her the 6 digits. Quickly without my permission and completely unauthorized attempted to make two wire transfers. Additionally, she requested a 6 digit code again and a text came through noting an attempt to wire funds. I hung the phone immediately and called the Wells Fargo number on the back of my debit card. I was adamant for the representative to move quickly now ... .now to stop these unauthorized insanity from happening. This representative asked me the same questions and his verification text were Identical to what this previous call requested. IDENTICAL!!!!! {$23000.00} and {$1900.00} wires were initiated and UNAUTHORIZED. 
{$1900.00} was stopped but {$23000.00} was not. I have been crushed financially by this and all Wells Fargo says is either call back later in week or even NEXT week. Shocking behavior from a Bank ... .from WELLS FARGO.
Consumer complaint received 2019-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX XXXX  which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did TRANSUNION verify this?????? TRANSUNION has failed to do a proper investigation. I demand that TRANSUNION provide the method of verification under section 611 of the FCRA or delete this account immediately
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FISERV INC. ()

My customer use credit card to make a purchase on XXXX XX/XX/year>. The payment was held by Fiserv for 23 days ( up to my complain date XXXX XX/XX/year> ) and nobody in Fiserv is giving me answer on when will they transfer the money back to my account.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CCS Financial Services, Inc. (MO)

I was denied for an auto loan from my credit union ( XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of 2017 while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX Credit Collection Services however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau XXXX XXXX XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (FL)

their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Lightstream Inquiry XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MO)

This is one main financial i took and my long was finished pay off but they said my long was not paid off there was some fees and interest which was {$2500.00} and i couldnt pay it because i knew i had finished pay off but they trick me and said there are some amount i need to pay
Consumer complaint received 2021-10-01
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. (TX)

The XXXX XXXX XXXX is reporting two late payments back in XXXX and XXXX of 2020 which is incorrect. I received an alert from a credit monitoring service that a late payment was reported. I immediately contacted customer service and inquired why they reported a late payment and I was told they had placed an annual fee on my account and I had not paid it. I explained to the representative that account was closed and that I did not even have an active credit card on that account because it was closed months before. The annual fee and late fees were removed from the account and the account was closed again. I asked if they would correct the late reporting on my credit report and she said she couldn't because I was late. I asked how I could be late for something I did not owe and that was removed from my account bringing my account to a XXXX balance. I reported to the credit bureau and I believe I was retaliated against because they changed the late reporting from thirty days to sixty days. The facts are this account was with XXXX XXXX  and I closed it The XXXX XXXX XXXX  placed a annual fee plus late fees when it went unpaid. I contacted them they removed all the fees but refused to update my credit report.
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (MA)

This debt collector called my family member and talked about my debt when they didnt have a power of attorney. They told them I had debt I was unaware of and I want it taken off my credit report now.
Consumer complaint received 2021-10-01
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. (GA)

This is my complaint to the three major credit reporting companies after several phone calls and letters.

I am writing to remove erroneous and obsolete demographic information on my credit report. The above information concerning my name, address, phone number, and employer is the only information I want to appear on my credit report. I want all other data which includes old addresses, old phone numbers, old employers, all variations of my name that does not appear exactly as above removed. You use this incorrect or outdated information as challenge questions for access to my credit report. The information that you use is incorrect and outdated. Your use of old and incorrect data is preventing me from accessing my credit report which is my right under The Fair Credit Reporting Act. I have written several letters informing you of this and as of this date have not received a response. I still have no access to my credit report. I have filed a complaint to the Consumer Finance Protection Bureau and I am including a copy of this letter to them also. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-25
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: CITIBANK, N.A. (CA)

15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an 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.
Consumer complaint received 2021-10-01
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: Experian Information Solutions Inc. (CA)

I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please help!!
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MI)

Debt collection is an inappropriate action concerning dispute over rental agreement w/ early termination. There was no language in contract specifying termination conditions ; nonetheless we provided significant compensation and provided plenty of advanced notice. North Carolina law stipulates that property owners must make a good faith effort to rent property, but the company immediately notified us that they wanted to charge us an additional {$1400.00} above the {$5000.00} we offered as an early termination fee due to the fact that I was unemployed, having been laid off by my company. Property management company never followed state law, nor lease agreement attached, in executing a demand we pay {$1400.00} without any attempt to rent the property and before we had vacated premises. Therefore, company had no legal right to forward their unlawful request to a debt collection agency as their had been no extension of credit in this case. Research on our part has found the debt collection agency, Hunter Warfield,  has been cited in numerous complaints around the country for questionable debt collection practices.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (PA)

I am beyond annoyed this will be my second complaint I have submitted about my reports not reporting 100 percent accurate I know these errors are FCRA violations. I don't want to have to file and take this matter to the next level. I asked for proof of debt and after 90 days I have heard nothing from anyone. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$360.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00}
Consumer complaint received 2021-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am beyond annoyed this will be my second complaint I have submitted about my reports not reporting 100 percent accurate I know these errors are FCRA violations. I don't want to have to file and take this matter to the next level. I asked for proof of debt and after 90 days I have heard nothing from anyone. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$360.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00}
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I had made a dispute against Capital One due to the fact that they reported a derogatory account on my credit for an account # XXXX with XXXX. The account has since been deleted and I will provide proof of this as attachment with my complaint. I then had issues with a payment via an account that Capital One sent me letters stating that the account was an invalid account, yet my payment posted from this account. Then on XX/XX/2022 my account was restricted by Capital One and I still have yet to receive an answer as to why this occurred, however the restriction was lifted with the representative on the phone that day. Fast forwarding to today, I went to use my card to pay for an item and it was declined. This prompted me to check my account via the Capital One app to figure out why this was happening. I found an error stating, " You don't have any accounts available to service online at this time. '' So I called Capital One to find out what was going on and was notified that they had closed my account ( XXXX XXXX XXXX XXXX ), which has been opened for over a year, due to reports from the credit bureaus saying I had opened my accounts fraudulently. I immediately knew this was a lie because the credit bureaus report information supplied to them by creditors ( Capital One ), so I can only surmise that this was a retaliatory tactic used by Capital One, which can harm my credit profile. The representative I spoke with at Capital One attests that this may have been a mistake on their part, but the issue still stands that my credit can be severely affected due to their mistake and by not fault of my own. I supplied my full card number due to the fact that the account has already since been closed.
Consumer complaint received 2021-10-01
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. (GA)

On XX/XX/2021 I sent Transunion a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX. I went directly to XXXX to dispute this item in question XXXX could not verify this item so they deleted it from their database. 

I then went back to Transunion on XX/XX/2021 and showed them the deleted bankruptcy from XXXX informing them that they could not reveal how they truly verified this item then it needs to be deleted according to FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I had an accident XX/XX/XXXX, and state farm issue a check which was in my mother in law name, however upon her signature I deposit the check into my account to get the car fixed. This was done on XXXX/XXXX/2016 and to this day going back and forth. Regions giving me misinformation about they were returning the check to getting a call stating they can hold up to XXXX years to the check was return by state farm and no funds deposit. In speaking with a bank rep. I called state farm who advise they clear the check, and could not reissue another because the check was clear, however no funds was deposit into my account by regions but yet they still are holding the check. When speaking to any rep at regions they all have different stories, and now saying they have XXXX years. Heck no either dopist or send back to state farm. I would never refer anyone to regions, and I am closing my account.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXBalance Owed : {$640.00} XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXXBalance Owed : {$630.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXXXXXXBalance Owed : {$23000.00} XXXX XXXXXXXX XXXX XXXXXXXXBalance Owed : {$350.00} XXXX XXXXT COL XXXXBalance Owed : {$2700.00}