davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
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. (CA)

Hello, since my original mortgage from XXXX XXXX XXXX XXXX   was sold to XXXX, in XX/XX/2017, for some unexplained reason, the lender has stated at least in the past year, despite the fact that Ive always made my mortgage payment, that I was behind on my mortgage but did not clearly explain why. This has adversely affected my credit scores and more specifically, this past week, caused a refinance to be denied, reportedly because of these lates, which were reported to the credit bureaus. They never explained clearly to me why they were doing this and now it has affected my ability to refinance my loan, which I need to do in order to pay off all the debt Ive accumulated, in order to make my mortgage payment each month.
Consumer complaint received 2024-02-11
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. (MI)

XX/XX/23 In accordance with the fair credit reporting act, XXXX, XXXX, Experian and XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 USC 1681 sec 602 States i have the right to privacy. 15 USC 1681 sec 604 A sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

To whom it may concern, The XXXX XXXX that I leased for 36 months was turned in to XXXX XXXX XXXX on Wednesday XX/XX/XXXX. There were some additional items that I did not agree found during the final inspection that had been done weeks earlier. The Sales Manager XXXX XXXX assured me that he would take care of those discrepancies, which he did, and I walked away from the car. I have leased many times in the past and that was all I ever had to do when the car is turned in early and well under the mile allowance, I have always had great customer service from them. Some weeks later I got a call from GM financial saying I still owe for the vehicle, yet I hadnt received a final bill. The agent stated an amount. I disagreed with the amount stated because XXXX XXXX assured me this was all done with a XXXX  balance. I figured it was a slip from communication from the Dealer to GM Financial. I then had XXXX XXXX call again to see how much the balance was because I knew there was still the matter of a disposition fee. I was right there and listened to the conversation. He was told XXXX balance. The person he talked to was XXXX at extension XXXX. She also said that the final bill was not generated yet and I will be receiving one soon. So Again, I was expecting a bill for the disposition fee. On XXXX, I sent a payment of XXXX to Gm financial. This was the Disposition fee. This was, I was told, The last obligation of the lease. And they said that the derogatory remarks on my credit report would come off. It was strange it took this long to figure it out, but again, I thought it was just a time factor. My biggest concern is that my exceptional credit record of NEVER missing a payment of my thirty plus years of credit record, that GM Financial by no fault of mine can damage my character by reporting that I have missed a lease payment that was not due to them. I have made numerous attempts to right this. I have been told by both the dealership and GM financial that there was a zero balance. 
Since my numerous attempts to right this have failed, I have since involved the Better Business Bureau.. I was hoping that this would get resolved before incurring the added expense of my Attorney. Be assured, my confidence in ever purchasing or leasing a vehicle through GM has been tarnished. Unfortunate, because I really did enjoy the car and the customer service provided by the Dealership. Also, I have made numerous attempts requesting a supervisor to contact me. None have. I would appreciate a reply.
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PENTAGON FCU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (LA)

The company I have a problem with is CareCredit Synchrony Bank. The amount charged to this card was paid. However, as we got close to pay off the company, for an unknown reason, stoped sending paper statements to my address. I call the XXXX # on the back of the care on 3 different days and the computer system and live persons told me there was a XXXX balance on the card. Later, we ( my husband and myself ) got automated calls about the account. When we finally were able to speak to a human, we were told we missed the payoff date and now owed XXXX. After a long conversation, I was told we were no longer getting paper statements because they were sending statements to an email address, which we do not check. This person also found not tell my who or when this statement change was made. To the best of why calculations we have paid full amount charged on the card. To date the amount is over 3000.00 dollars. Also, the last call I received from this card company the lady told me " I see you have a XXXX balance, how may I help you? ". It appears to me their system does not see accounts correctly. I feel this card company has used unethical practices to charge excessively high interest rates. I have told my story to several people at this company, yet no person in management has contacted us to resolve this matter.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX i went to XXXX left my card behind and endured an extra charge. XX/XX/XXXX I went to pay my mortgage was low saw the charge and reported it. BofA issued me a temp credit. On XX/XX/XXXX they denied my claim and reversed the credit. With no actual investigation conducted. Now I have appealed an investigation began I filed a statement as well as police report. BofA has terrible communication and resolution procedures. They have not given me back my money. I am negative and have been since they reversed the incorrect charge against my account with no justification. Please help.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2019-06-13
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a late that I should not have. I paid the XXXX balance before XXXX ended and they are already reporting a late on my account. I was not given a 30 day right to dispute and this should not be on here.
Consumer complaint received 2019-04-17
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (MN)

I applied for a review of my income-driven repayment program XXXX. I received a letter dated XX/XX/XXXX sating there was missing paperwork. I mailed the proper documents that month. My credit score dropped 83 points in XXXX. XXXX XXXX claims the approval process for the IDR repayment program takes weeks and the company reported neg during the process. I asked why wasn't the IDR program started in XXXX instead of XX/XX/XXXX or at least when my paperwork was submitted to no answer. The loan is now in forbearance as it should have been until the IDR repayment program started instead reporting neg. I have disputed the reporting status looking regain the 83 point lost on my credit reporting angecies and XXXX XXXX should report the proper status of my account.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

Ally Financial Auto reported a CLOSED account to the credit bureaus when in reality, the account was PAID IN FULL. I contacted Ally and spoke to several people in several departments but none were willing to correct their error. Their error lowered my credit score by 15 points.
Consumer complaint received 2019-06-13
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. (FL)

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Equifax They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Equifax Dispute Results, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again inaccurate Items disputed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the Status Updated date didn't change/update, this irrefutable proof that no investigation was done. remove for violation However, in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the XXXXatus Updated date didn't change/update after the investigation was done, this proves that no investigation was ever done because the Status Updated date didn't change. Status Updated date didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Status Updated date didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX   XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX A Status Updated date was ( XX/XX/XXXX ), XXXX XXXX  XXXX Status Updated date was ( XXXX XXXX ), XXXX XXXX XXXX   Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my previous dispute results from Equifax investigation still shows the Status Updated date didn't change/update.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank canceled a credit card that I've never even used because of information on my credit report that says I'm delinquent. I'm not delinquent. I'm not paying my credit card bills because my bank is delinquent and stole some of my XXXX  in a fraud scheme. XXXX. XXXX. XXXX. XXXX of them? 

The banks are insolvent and run/regulated by criminals. I'm a victim, and the system thinks I'm unworthy of a XXXX $ limit credit card. It is an absolute joke. You have stolen literally hundreds of millions of dollars from me over the years and your conclusion is that I'm untrustworthy of having a XXXX $ line of credit. XXXX XXXX XXXX
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called Kohl 's credit card today XX/XX/XXXX and spoke to 2 different employees which is partnered with Capital One that I realized there was a charge Starting in XX/XX/XXXX called " interest on protected balance ''. I looked at my recent statement that they are charging me this extra interest protected balance that I never opt in to and in the service agreement it also doesn't state that. I already called Kohl 's and they are not helping they said they will not waive it because its there policy. They were very rude to me and said I don't understand the difference which it was not necessary for him to say that to me. I didn't approve of this charge. The total amount they charged me so far is a total of {$400.00} as of XX/XX/XXXX. I am unable to look at me previous statements since it doesn't go back that far.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MI)

I had a Credit Card with XXXX XXXX Barclay 's Bank that was subject to unauthorized transacxtions because of identity fraud. The Company is still reporting to XXXX a balance including the unauthorized charges effecting my credit standing.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I'm writing because on my reports from XXXX Trans union and XXXX They show i have a Public record of Bankruptcy dated XXXX in which I've never applied for. I contacted the Bankruptcy court via mail also stating to me they did not report this to either bureau. I've also found several inconsistency 's with all three reporting 's on my report which is an FCRA violation and is grounds for immediate removal. XXXX shows the court as US Dist ct  Transunion shows US Bankruptcy Court and XXXX Shows US BKPT CO XXXXXXXX as the reporting court. Please remove immediately these are fraudulent and inaccurate and don't belong to me.
Consumer complaint received 2023-05-09
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

I have been unable to reach anyone via phone for over 3 weeks starting from the beginning of XXXX. 

I have made 5 attempts to call on different days of the week and been on hold for over 60 minutes every single time. My message through their system has gone unaddressed as well.

Nelnet put my loan into an administrative forebearance while I'm waiting for my SAVE application to go through. I did not ask for that to happen and wanted to keep my auto-payments going. 

I am unable to reach anyone via phone to opt out.
Consumer complaint received 2017-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (IL)

XXXX cable sent us a bill for service at a XXXX address on XXXX. We never lived there and disputed the debt in writing on XX/XX/XXXX with XXXX, XXXX, XXXX, XXXX, and XXXX. The credit agencies deleted from our credit report. In XX/XX/XXXX Credit Management sent us a collection notice and they had changed the address of the original charge to our correct address without any account info on the bill. Credit Management falsely made the bill look as if it were attached to our current address. We have never lived at XXXX in XXXX and I reported the incident as identity theft to the credit agencies.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (AR)

This is regarding the closure of my checking account without adequate reasons. I strongly believe that the reason for the closure appears to be discriminatory and racist. 
On XX/XX/XXXX, I received a notification stating that my checking account with US Bank had been closed. However, the notification did not provide any clear reason for the closure except that in accordance with the your deposit agreement and general terms and conditions disclosure. I called customer service to inquire about the reason, but no one was able to provide me with any satisfactory explanation as to what the issue is and what went wrong. 
I have been a loyal customer of US Bank for many years and have always made timely payments on my credit card and kept my accounts in good standing. Therefore, I am shocked and dismayed by the sudden closure of my account without any explanation. 
Furthermore, I can not help but feel that the closure was based on discriminatory and racist motives. As a person of XXXX origin, I have often faced discrimination and prejudice in various aspects of my life. I strongly believe that the closure of my checking account is another instance of such discrimination. 
I request that US bank provide me with a clear and valid reason for the closure of my account. Additionally, I demand that US bank address any discriminatory practices within their organisation and take appropriate action to prevent such incidents from happening in the future. 
I hope that this matter will be addressed in a timely and appropriate manner.
Consumer complaint received 2023-01-09
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-29
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. (CA)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.