davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2020-02-08
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. (FL)

I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2017-05-27
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. (IL)

I check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of  XXXX   XXXX  services reported a collection on my reports with an acct # of  XXXX . It states that I owe  XXXX . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a  XXXX  account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or  XXXX   XXXX .   I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,  XXXX  and   XXXX   have completed their investigation and removed this account.   Equifax however has not removed this account.
Consumer complaint received 2021-10-17
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. (KY)

i bought giftcards off a company buy the name XXXX XXXX and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not haft to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed
Consumer complaint received 2018-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I obtained a HELOC account with bank of America for emergency reasons. For the past several years I have borrowed and paid off account on several occasions using information on B of A online banking screen without any problems. I make payments through instant transfer between my accounts at B OF A. On XX/XX/XXXX I made a payment on amount owed of XXXX since then the account shows XXXX balance. Today I noticed an account notice for my HELOC account which indicated the following. 
Payment due by XX/XX/XXXX {$56.00} Past Due amount XXXX late charges XXXX Estimated Payoff XXXX XXXX. If my account reads XXXX balance and no payment is requested how I'm I suppose to know I need to make payment. 
2. If I made a payment of XXXX ( full amount ) 0n XX/XX/XXXX, how can I possibly be late on payment XX/XX/XXXX. 
3. How can I possibly ever pay this off with all this silly and charges and estimated pay offs if every time I think I paid off account hidden charges appear. 
4 Why I never had this problem before paying the balance on my HELOC account the exact same way I did in XX/XX/XXXX. 
I want CFPB to help me get this account paid off as I see no way I can ever pay it off.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

I have been trying to have TJMAXX Remove the Incorrect late they are reporting the all 3 credit bureaus for my XX/XX/XXXX and XX/XX/XXXX payment. They did recieve payment through automatic bill pay on time. They said there is nothing they can do that I have to go to bureaus to fix it. I am in the process of buying a home and this is holding up the process.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXX, IA XXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. 

Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-11
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. (MA)

I filed for identity theft in XXXX of 2021. XXXX XXXX claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. XXXX, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.
Consumer complaint received 2021-06-11
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. (MA)

I filed for identity theft in XXXX of 2021. XXXX XXXX claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. XXXX, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

Our vehicle had damage and needed to go to the shop. While it was at the shop, they tried several things, and then determined ultimately, it needed a new motor. The motor was out of stock and on back order our vehicle was in the shop for nine months. Because the initial incident was caused by us they only refunded us the out-of-pocket expense we made for the rental car. They denied a buyback, even though it was in the shop way longer than what the buyback considers a lemon. I went through all the processes just like filing through the XXXX, but they are literally biased. GM access is their system to make notes, and when they denied it, and I tried to dispute it, I was basically told there was nothing that I could do that theyve made their decision, There is no basis there was in fact a new motor needed. during this process, we started carefully looking over our finance agreement, and thats where we noticed that we were charged for items that were already included. In our loan we were not offered other insurances, like XXXX, in addition, our down payment was added to the price of our vehicle and not subtracted, the fees are outrageous and I can get nobody from fountain auto mall to call me back. This has been a horrible experience and its almost put us into bankruptcy and no one will help us. our finance companies, Gm Financial, and even though we explained the situation that we were going through a hardship and that we were having to pay for a rental vehicle out-of-pocket, they did not care they only deferred our payment which added interest in charged us, outrageous, late fees, and basically told us well you signed the contract. We tried reopening the XXXX  case, and it was immediately denied because they didnt even realize that as soon as we picked our vehicle up, there were more issues that were manufactured defects.. they took no concern with it at all.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (TX)

Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 





XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (TX)

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : REGIONAL ACCEPTANCE CO Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove this from my credit report.
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VEROS CREDIT, LLC. (CA)

Account name : Veros Credit XXXX : XXXX Dated : XX/XX/2016 I have reached out to company asking if they can update information with credit bureau and they have given no response and or any accurate updated information to credit bureaus. This account was paid in full by another parties insurance company due a at fault accident on the other party. Contacted company multiple times on and after ( XX/XX/XXXX of XXXX  date of accident ) and have not got any resolution and also have attempted numerous times with
Consumer complaint received 2019-06-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NY)

So, fresh out of college working as a XXXX XXXX in New york barely making enough money to keep up with my {$1000.00} rent and federal and private loans and other expenses. It has been hard for me to save money. Sometime I end up only have {$20.00} left after I pay all my bills and loans. Sallie mae doesnt offer anything else lower than the $ XXXX payments and the interest of % 14!! Doesnt help either. Its basically like I pay my loan the interest just keeps adding up.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TN)

I have been paying my XXXX  loans for XXXX years and I am on a repayment plan of a total of 20 years then they will be discharged/forgiven. My student loans have been paid to XXXX XXXX XXXX ( XXXX ) since 2015 ( 8 years ) and they were transferred over to NELNET. I have asked Nelnet 3 times ( once on the phone after waiting on hold for XXXX hours and twice by emailing them on their message portal on their website ) to provide me with a breakdown of my payment history of 8 years and they will not. They refuse and I am worried that my 8 years of repayments will not be counted towards my 20 year forgiveness and will be lost. I called XXXX and they told me to file a complaint against Nelnet.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (RI)

I discovered on or about XX/XX/XXXX that I was delinquent on a line of credit I purchased from Raymour and Flanagan.

After I received the alert from XXXX  I immediately called R & F. They apologized and told me that its best if I reach out to the creditors themselves, TD bank ( TDRCS/RAYMOUR & FLANIGAN ). 

I called them and was told they didnt have my correct address and thats why they never sent a bill ( not true they had my moms address where I used to live and NO BILL WAS SENT THERE ) When I asked them why they didnt call or email, they didnt have an answer and then the line disconnected. 

This happened at least 6 times! I would ask them challenging questions about their collection procedures and then the line would miraculously disconnect. No one would call me back-I had to call back.

When I finally was fed up and wanted to speak to a manager they told me I had to put my name on a waitlist and that the manager would turn around in 48-72 hours! I have yet to get any call back. 

One of the semi-competent agents walked me through setting up an online account on their shoddy website and thats where I discovered my bill was first due in XXXX and as of date, I have missed two payments. I told her that considering the companys negligence and shady collection practices that they should extend my contract by the two months hence making my bill current and then erasing the report off my credit.

She told me that all she could do was take {$40.00} off the bill and that I should have known that I owed a debt even without a bill because I made a purchase.

Imagine that! 

When I disagreed with her, the line magically disconnected again.
Consumer complaint received 2018-01-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir or Madame, My name is XXXX XXXX, and I am an American citizen who lives in XXXX, XXXX. I have a bank account and credit card with Bank of America. 
This past XXXX, there were false credit charges on my credit card to places in the United States. Obviously, I could n't have been been in these places to make the charges. I contacted my bank, and had to close the credit card. Because of security, I had a new credit card brought to me by hand, and it had been specifically sealed in a way that nobody could have used the new credit card. When I got the new credit card in mid-XX/XX/XXXX, there were already charges on it. It was for a video place called XXXX for {$130.00} from XXXX XXXX, XXXX. I do not live in the States, so I could not have been renting videos. I contacted the XXXX XXXX company, and they could not find this charge, could not match the transaction number to me, and said they did not have an account for me. I contacted the credit card, and they said they would do an investigation into this fraud, and would not require shutting down my credit card, which I feel is a necessity for emergencies here. 
Recently, I got a letter from Bank of America requesting me to sign a statement that I had never authorized the charge, and that I needed to close my account in order to continue the dispute. This was XXXX XXXX, XXXX. In the letter, they said that if they did n't receive the letter back on XXXX XXXX, the same day they had dated their own letter, that they would close the investigation. I signed it, and sent it in, with some hope that they might recognize the error. 
Unfortunately, now I am being billed with the fraudulent charges, and the bank has not done any research into the smallest facts : I do n't live in the country, I did n't have the credit card at the time the charges were made, I never made an account with XXXX, which seem like part of a prior spree of fraudulent credit card charges.
Consumer complaint received 2020-02-08
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: Bread Financial Holdings, Inc. (NV)

To whom it may concern, On XX/XX/XXXX of 2020 I reached out to Comenity Bank in regards to an inquiry on my XXXX, XXXX and XXXX  reports. First I do not know and never have done business with Comenity Bank. Secondly I never gave this Business any authorization to run my credit. Thirdly upon calling Comentity Bank  and speaking to a Representative who was absolutely no help it was mentioned in the phone call from the Comenity Bank customer service representative that they had no information nor file they could look up to find of me. Not surprising due to the fact I'VE NEVER EVEN HEARD OF THIS BANK PRIOR. I kindly asked the representative if they could send a letter informing the credit bureaus that the inquiry was obviously incorrect and to have it removed. The Representative replied ... " we are not able to formulate a letter stating or requesting a removal ''. So you mean to tell me a company can illegally authorize without consumer consent or signature an inquiry but can't remove it?!?! Least to say I am furious and want this inaccurate and unauthorized hard inquiry removed from my credit within 30 days under FCRA law. Please note that this company has already sent a letter stating they did not have me nor could find me in their system.
Consumer complaint received 2021-10-16
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: SYNCHRONY FINANCIAL (FL)

Hello On XX/XX/2021 I payed off the statement of my PayPal Mastercard Cash back ( Syncrhonic Bank ) They took the money from my account on XX/XX/XXXX. 
On XX/XX/XXXX I tried to do a purchase and the credit card didn't work. 
This happened several time before and now I'm really tired this bank took my money and they don't allow me to use it because they said that I can't make payments in the same payment cycle. I'm attaching some pictures.