davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (VA)

I purchased several pieces of furniture on XX/XX/XXXX, and they were supposed to deliver within six weeks. Some items were delivered on XX/XX/XXXX, but the bed was missing the tools to assemble it. After waiting patiently for weeks, I contacted the store using different means of communication social media, phone and fax and made him aware several issues such as having an incomplete order and receiving a defective item. The company made no effort to address my concerns, so I later filed a complaint with Virginia State Attorney ; unfortunately, XXXX XXXX XXXX was still unfazed by my concerns and even claimed it was not aware of it. I hired a lawyer to contact XXXX XXXX on my behalf ; the lawyer sent a letter to the company on XX/XX/XXXX. I initial received an email about my credit card balance statement totaling {$440.00} and later received a standard letter without concrete solutions. It is worth noting not all the furniture items were delivered. The balance was for the following items : Occasional table set, Queen Sleigh rails, headboard and footboard totaling {$120.00}, {$92.00}, {$110.00} and {$120.00}, respectively. The order is incomplete because XXXX fails to assemble the bed. It has been aware of this on-going issue since XX/XX/XXXX and has never taken any concrete steps to resolve it ; as a result, this issue has forced me to sleep on the floor for almost six months. I acted in good faith and took all the necessary actions to resolve the issue, but the company was unequipped to address that simple problem. It feels emboldened in its decision to poorly address my concerns because there is clearly a power dynamic involved in this particular case.
Consumer complaint received 2023-07-27
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: FORD MOTOR CREDIT CO. (AR)

I need this investigation to be looked at further, and deleted from my account as the information is inaccurate and falls.

It is displaying late payments on my account that were not in fact late one of them. I had a freeze on my account and was not obligated to make a payment during that time in which case they still reported late.

The most recent one was due to me, selling my car to a dealership. I was promised, and also signed a contract that Id be no longer responsible for payments or for this car and instead, they reported a late payment when the car was in fact no longer my responsibility, nor in my control. 


Ive been told by two different Ford managers that it is actually illegal what XXXX did in buying out my lease before the payments had run out, I was not aware of this, and during that time is when another late payment was posted I am asking for this negative report to be immediately deleted from my file as it go against my rights and regulations in credit reporting by being falsely recorded information. 

I have tried many times to call to resolve this. The manager at XXXX consistently for the last year has said he would and it never has fallen off my report and Ive also called FORD MOTOR CREDIT.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

many fraudulent accounts are reporting under equifax credit reporting agency, i have disputed several times and even with a police report stating the fact that i had been a victim of ID theft. but they are not belong helpful at all, and when calling them every single time they are asking verification and have answered all the questions they are saying that i was not verified and i have no way of finding out whether or not what the situation is about my disputes and fraud accounts. please let help me out, your are my last hope, i receive Social Security Income and these fraud account are giving me headache, they are about to cut off my SSI, and i have no way of proving that these were fraud account. because quifax is not helping me in any sort of way. i need to proved the clean equifax report to the administration in order for my SSI to be  continued. 
i beg of you to help me so i wont be homeless. 
thank you for your help, i will be attaching my police report and the FTC report and the letter explaining what i have sent equifax thank you for your cooperation
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX, Transunion, and XXXX  will not allow me access to credit reports. I have tried to call to speak with someone several times and was hung up on. I get to the verify my identity with the automated system and by the time I get to the multiple choice questions I get the response " unable to verify my identity ''. I am in the process of mailing a form to get my free credit report at this time however I believe the information they have on me is totally inaccurate as I have had NO credit whatsoever as I am XXXX currently.
Consumer complaint received 2023-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX I sent in letters to the credit bureaus informing them that they have been reporting inaccurate and unverifiable information to my consumer report. I've waited over 30 days and have yet to receive a response from them. They're not only in violation of the FCRA but they're violating my rights as a consumer by reporting these items. I feel like I am being taken advantage of and my problems aren't being addressed. If these accounts aren't removed immediately I will be forced to file for litigation. Please help me with this. Thanks in advance.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act and XXXX  Account # XXXX, has violated my rights.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (MN)

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I have student loans on my report from DEPT OF EDUCATIONXXXX XXXX XXXX that shouldnt be posted without my permission. I have attached a copy of my letter from the US Department of Education showing the loan has been forgiven in full, so I should not be seeing anything on my report from them.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (CA)

I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX. I received a letter on XXXX stating that I needed to call in so they could verify some details. They asked for a phone number to verify that they could send me a code. They said the phone number I provided didn't work ( it was a XXXX XXXX phone number ) and that I would not be able to try again. They said I could re-apply in 30 days but it would be another hard pull on my credit report. So I was denied a new credit line not for any dings on my actual credit report but because the phone number I provided for verification didn't work and they could not try any other phone number. This is definitely an extremely trivial reason to deny a credit application.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Total Card, Inc. (NC)

The collection company said if I did not pay the collection that they would file a warrant against me and I would be arrested for not paying the collection that I knew nothing about and then kept making harassing phone calls to me.this collection must be removed from my credit report this is wrong and against the law.
Consumer complaint received 2023-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CA)

I signed for for an amortized loan for solar panels for my house. However, they are taking no money off of principle whatsoever. As a matter of fact, I made higher than normal payments, and they have not taken a single penny off of my principal. When I have called to speak to a manager they gave me the runaround and told me nothing was available. So far I made payments and my balance have gone down XXXX even when I made additional payments. My payments are {$210.00}. Ive been making payments at {$300.00} in order to pay off the principal quicker but they have taken no money off even for making the original payment. Please see attached email in which the balance does not change and they write it off as payment for interest. This is not at interest only loan and if it was, the difference/additional still should have been applied to the principal. They are literally just taking my money into their pockets.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Equifax is reporting a credit card with a balance of XXXX, 150 days past due and closed. The credit card is with SC XXXX XXXX XXXX. 

This is incorrect. This card was paid in full on XX/XX/2017 and closed on XX/XX/2017.
Consumer complaint received 2021-02-15
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: Experian Information Solutions Inc. (FL)

I have submitted over 50+ request to have my credit reports to show updated payment information on my reports. There are accounts that show as charged off even though the balance is XXXX and I was advised that AT LEAST it says charge off. Yes I paid t I paid I. The midst of them transferring the account so its a catch XXXX its paid but the person account sold too still shows as owed ( XXXX ) XXXX XXXX payments are made auto draft and a recent {$200.00} payment made but I am not allowed to dispute as they stated they reviewed the account in 2019. In the midst and of covid19 why should I have to fight with the credit bureaus to make sure at least my credit is correct? Were in a pandemic XXXX XXXX plus have died and my report shows late payments. I am unemployed and have tons each reporting agent and original reporter this and no one has offered any relief. I am certain the banks got PPE money yet I am required to pay off a credit card that I WAS MAKONG PAYMENTS FAITHFULLY ON BEFORE COVID IN FACT XXXX XXXX SHOWS THIS AS A CHARGE OFF BUT TRANSFERRED {$200.00} from a deposit for rent from my account. This is not right. Were In a plague and debtors dont care and we suffer. I tried with the credit agencies still no relief
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TN)

I have 2 collection accounts on my Equifax credit report. One of them has been addressed on my XXXX report but it is still reporting on my Equifax. The 2 accounts are XXXX XXXX and XXXX XXXX XXXX. I have reached out to them by certified mail but no response. I have no accounts with them and no knowledge of the account. They never gave me proof that the debt belonged to me. No signed contract or anything with my signature attaching me to the debt. They have only harrassed me with payment. I am asking that these items be removed from my Equifax report immediately. I have already reached out to XXXX as well. I am sorry that I had to go this far to address this matter but thank you in advance
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America credit card In the past I set up automatic pay for monthly statements. 

Somehow the automatic payment wasnt processed. Then I immediately manually paid it. 
So the credit card take XXXX days to finish the process and charge me the late fee and excessive interest fee. 

This is exactly the fine the US government fined BOA for XXXX XXXX.
Consumer complaint received 2019-02-10
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. (TX)

I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-06
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. (FL)

DEAR TRANSUNION, There is information on my consumer report that is a result of identify theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. my request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
Account name and date are listed below! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This complaint is a follow-up to CFPB complaint # XXXX. 

I was contacted by telephone by XXXX XXXX from Bank of America on XX/XX/2020. She left a voice message for me stating she was calling about my complaint and that I should call back XXXX XXXX at XXXX, ext. XXXX. 

I returned the call the same day, XX/XX/2020, and was sent to voice mail. I left my name and contact number. I tried calling back on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. Each time I tried calling back I was sent to a voicemail for XXXX XXXX. Each time, I left my name and telephone number for Ms. XXXX to return my call. 

On a couple occasions I tried to get an operator or another representative when I called the regulatory complaint servicing telephone number ( XXXX ). I even tried contacting the general customer service line for Bank of America to see if they could connect me with the regulatory complaints servicing area. On the two times I tried calling the general customer service line, I was on the call for over 45 minutes as the customer service representatives diligently tried to find a regulatory complaints servicing representative. During both attempts the call was ultimately disconnected by the bank. 

My initial frustration with the Bank 's error in closing my account has been compounded by the frustrating process that their regulatory complaint servicing process has introduced. 

Additionally, I received my XXXX statements for both accounts which still reflect an available balance, even though the bank tells me the accounts are closed. I have attached those statements for your reference. 

Regards, XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CT)

I received a notice in the mail about a credit card application being submitted in my name and they needed more documentation. I did not submit the application. I called the credit card company and they closed out the application. I notified my police department and submitted a case report that someone was using my information to fraudulently open a credit card in my name.
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

in XX/XX/2017 we in Florida were hit by the hurricane, I had problems with my work, I called this card to make payment arrangements, we agreed to only pay {$80.00} dollars for a year. at the end of the year they raised my interest and my minimum payment without my consent, now they started charging {$110.00} dollars of which only XXXX dollars go to my favor. I called them to work with me but they have no answer. today I owe more every month. My doubt right now is {$4600.00}
Consumer complaint received 2018-09-14
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. (WI)

urned in my XXXX XXXX XXXX lease with XXXX XXXX  in XX/XX/XXXX under the provisions of the XXXX. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact XXXX. Received multiple statements from XXXX claiming that we owed money on the remaining payments while I was XXXX to the XXXX XXXX. XXXX XXXX  told us multiple times to disregard the statements that our account would be fixed since it was turned in under XXXX. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under XXXX. After several attempts ( probably 20 or so ) contacting XXXX XXXX and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XX/XX/XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates in XX/XX/XXXX despite XXXX telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX  which returned with an affirmation from XXXX XXXX that the information was correct.
Consumer complaint received 2019-04-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have contacted Navient a plethora of times in an effort to lower my monthly payment. The most recent being XX/XX/XXXX. 

I have two loans now serviced by them. My first loan which was initially serviced by Sallie Mae is from XXXX University that was distributed on XX/XX/XXXX in the amount of {$31000.00}. It currently has a 11.5 % interest rate which they refuse to lower and a current balance of {$55000.00}. My new monthly payment is {$580.00}. Last year it was {$340.00}. 

My second loan which was initially serviced by XXXX XXXX is from XXXX University that was distributed on XX/XX/XXXX in the amount of {$24000.00}. It currently has a 8.75 % interest rate which they refuse to lower and a current balance of {$23000.00}. My new monthly payment is {$250.00}. Last year it was {$240.00}. 

I have called Navient to inquire about consolidating them since they both are serviced by the same lender in order to have one payment and one interest rate. I have literally begged them for a lower monthly payment and have been told there is nothing they can do. Most recently in XXXX the representative told me they can not lower my payment because my credit score is too high which proves to them that I do not have issues paying my bills. I was advised to not pay my loan amount which will put my account in default which would result in a lower credit score and ultimately prove I need assistance with a lower payment. This is the most insane feedback I have ever heard. As a individual who has taken pride in having a flawless credit score, I would have never imagined hearing this type of suggestion to show a borrow is in need of help! Navient has in no way, shape or form tried to offer lower monthly payments. They simply will offer paying off just the interest to lower your payment for a short period of time which in turn will ultimately increase your monthly payment once that time period ends. Additionally, they are refusing to release my co-signer! 

I personally have never missed a payment on my loans, but its unjust to be stuck with a loan servicer who could care less about their borrowers and their monthly payments amounts. Navient has about 12 million customers and services more than {$300.00} XXXX of government and private student loans. The greed they possess is disturbing and the borrowers need immediate assistance. We all want to pay our loans off, but we want to be able to live and enjoy life as well without the burden of a {$1000.00} monthly payment.