davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX XXXX XXXX Bank contacted my wife and I via a letter stating that our home we closed on XX/XX/XXXX required a flood insurance policy that was either cancelled, expired, or was unacceptable as of the afformentioned close date. Additionally, the letter stated that if the bank did not receive replacement or renewal flood coverage within 45 days of this notice, they will charge us {$2600.00} annually for insurance that they will buy. We then called the bank to discuss this, and they claimed that FEMA 's map changed on 11/6/2021 and that we were now in a new flood zone. When we called FEMA, they stated that their map had not been updated since XXXX and we were not in a flood zone, which we also confirmed via an online search. Attached is a screenshot of FEMA 's website showing we are not in a flood zone. 

Our complaint is the following : 1. The bank stated in a letter that we should have had flood insurance as of XX/XX/XXXX, the date we closed on the house, but then contradicted themselves on the phone and stated that we were recently included in a flood zone on XX/XX/XXXX. Which one is it, and why do they not have more specific letters for zone changes? 

2. If we were in a new zone as the bank claimed, they should have provided a letter stating that fact, along with some sort of proof that the zone had changed instead of a false letter stating that we were non-compliant as of our closing date. If we were non-compliant when we closed, how did they let us close? 

3. When asking to speak to a manager or supervisor, we were told there was no one else to talk to. Why is the burden of proof on the consumer to dispute an upcoming forced {$2600.00} charge, and not on the institution?
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (AR)

I called said company XX/XX/XXXX about an unpaid balance on a loans I received as far back as XXXX. These loans were paid ahead of complete due dates in which the loan company verified, but the loan balances still show on my credit reports as unpaid. The company is : World Finance , Inc. 
XXXX, La.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (WA)

Hi, I logged into my XXXX checking account today and noticed some pending charges that I didn't recognize. 

The first was listed as a pending debit card purchase to 'moneylionloanrepayme ' for an amount of {$1000.00}. 

There are three other pending debit card purchases to 'XXXX  repayment ' each for an amount of {$320.00}. 

I do not recognize these charges, these charges were not authorized, and I do not recognize or have I conducted business in any form with any of these companies that are relating to these charges. Any information, or charges that were accrued were not to my knowledge, and I did not authorize these charges, or consent to any personal information these companies may have obtained. 

I've filed a fraudulent charges complaint with XXXX and is currently under investigation. Additionally, I've deactivated the debit card that was used in these charges ( on XX/XX/2021 ) and have requested a new one. 

XXXX, XXXX XXXX
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Accounts & Advisers, Inc. (KY)

Spoke with Mr XXXX today at XXXX. Inquired about medical bill and date. Informed him he put incorrect information on my credit report. I never received a call or letter from him or his company in regards to bill. He was very condescending due to his balance being XXXX and mine being XXXX. The company had already been paid by my insurance. When informed that this was fraud he stated " as if I gon na risk my company for {$35.00} '' He just may depending on how many people he over charges. I have a copy of the bill and will attach
Consumer complaint received 2019-08-04
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. (NY)

XXXX XXXX XXXX XXXX is reporting a balance of {$2700.00} from a lease I returned in XX/XX/XXXXof this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from XXXX as well showing on my reports. Ive had 3 leases with XXXX and the only current correct one is XX/XX/2019for {$21000.00} having 3 XXXX accounts reporting balances increases my debt which is wrong.
Consumer complaint received 2019-10-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Santander Consumer USA Holdings Inc. (TX)

Company has been paid in full by XXXX but refuse to send company, required information in order for me to receive my refund. Its been over a month and nothing still has been done. Date of Of Loss XX/XX/2019 In XXXX Texas During Imelda Storm.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SSXXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SSXXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Carbon County (CO)

I had a credit card with XXXX XXXX XXXX It ended up in collections. I was not able to pay the debt at the time. I was served with court papers through the mail regarding this debt. 
The Court Date was set for XX/XX/2021 I was not able to make it. I found out XX/XX/2021 that my bank account was being garnished for the amount of the Judgement which was {$740.00}. in the court writ of garnishment. 
1- Original amount of judgement entered on XX/XX/2021 for original amount of {$620.00} 2- Plus Any interest due on judgement ( currently 8 % per annum ) in the amount of {$9.00} 3- taxable costs ( including estimated costs of service of the Writ ) in the amount of {$100.00} 4- Less any amount paid or adjustments in the amount of {$0.00} 5- Principal balance/Total amount Due and Owing in the total balance of {$740.00} The Canvas Credit Union released the money to the collection agency XX/XX/2021 in the amount of {$740.00} As of today XX/XX/2021 they HAVE NOT reported it to the Credit Bureau I called them to ask why this debt has not been reported paid and they told me that it wasn't paid there was still a balance of {$11.00} in interest that was accrued. when asked why there was still a balance of {$11.00} in interest when the Credit union released the money XX/XX/XXXX, XXXXthe could not tell me why. 

I spoke to the and she couldn't tell me there was interest accrued that I had to pay the amount of {$11.00} for the debt to be settled. 

I asked why I was not called or informed of this extra amount. They could not tell me. 

I have the Court Document And I should not have to pay anything more than what was in that court document. 

I paid the amount but do not believe I owed them any more that the {$740.00} on XX/XX/2021 2021
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

The main reason for this complaint is XXXX XXXX ( Goldman Sachs ) failure to close account and being misleading about it. 

1 ) On XX/XX/2019, I paid off the balance on my XXXX XXXX ( the account balance was XXXX ) and closed the account by calling XXXX. After a brief conversation, the XXXX XXXX agent assured me this had been done. However, I did not receive a confirmation of the account closure. 

2 ) Today, XX/XX/2019, I called again ( at the same number ) to confirm the account closure and was told the account was still active and only the credit card had been canceled. ( I was surprised because on XX/XX/2019 when I contacted XXXX XXXX/Goldman Sachs, I recall I was clear that I wanted to close the account and did not say anything to suggest the card had been lost. ) I expressed this to the agent and asked again to close the account. She first asked me to agree to a statement and when I agreed she assured me the account had been closed. She said I would receive a confirmation but as I write this complaint, I have not received one. 

The following information also raises concerns about XXXX XXXX security : 1 ) For security and convenience reasons, I tried to change my Apple Card billing address from my apartment address to the same address I use with my other cards ( a PO box ). I tried to do this in the XXXX app, but the update failed with no explanation provided. I tried twice. 

2 ) I called XXXX XXXX support and was told I could change the billing address only when I had a physical card. Even though I didn't want a physical card, I ordered one. 

3 ) When the card arrived, I tried again to change my billing address in the XXXX app, but ran into the same problem as in ( 1 ). 

4 ) I called XXXX XXXX support again and was told I would not be able to change my billing address after all. I told them that I had been informed previously this would be possible if I had a physical card. The agent told me there had been a policy change. 
5 ) I also tried to change my email address to a safer, non-generic email address. I called the customer service but was not able to get an answer on how to do this.

6 ) I decided to cancel the account.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IN)

I received my XXXX XXXX in XXXX XXXX in XXXX, XXXX. I am now a XXXX XXXX XXXX. I applied for an Economic Hardship Deferment in XXXX of XXXX online and was waiting to hear back in case Navient needed more documentation. However, I never heard back, and I called to double check that everything was good and the deferment was approved, and they told me it was being processed. The representative also had told me they would contact me if they needed anything further, In late XXXX of XXXX, I was trying to figure out a faster way to pay off my student loans owed to Navient so I would be able to pay down my balance. So, I applied for a Home Equity Loan ( and got pre-approved, my credit score was XXXX ) to pay Navient around half of what I owe. I checked my credit score a week later in XX/XX/XXXX, and it had gone down over 200 points. From XXXX to XXXX overnight. It showed that Navient had put in 10 accounts that said I was 90 days late. I was mortified, and was told my a Navient Representative that my deferment was approved back in XXXX of XXXX. 

At that moment, I cried and thought my credit would be ruined forever and I still am in absolute shock and turmoil over what this has caused me and my family. I have worked so hard to pay what I owe and had very good credit for years prior to this horrible situation. This error is not my doing and this error is on Navients part. I filled out the appropriate paperwork in XX/XX/XXXX, and a representative that I spoke with on XX/XX/XXXX said no one had ever processed my Economic Hardship Deferment way back in XXXX of XXXX. 

I was told to send this letter to explain my situation and how I was wrongfully put in the credit bureau, so this can be corrected. I work with XXXX XXXX XXXX every day, I pay all of my debt every month, and I have worked for years trying to build up my credit because I knew I would have student loans to pay off. I have nothing negative in the credit bureau before Navient made this life-altering error. I have sent two letters ( one letter in XX/XX/XXXX and one letter in XX/XX/XXXX ) to Navient explaining their error, and they have yet to respond. 

I have graduated with both, a XXXX  and a XXXX XXXX. I want nothing more than to pay my loans back, but I can not begin to become financially available if my credit is ruined for Navients error. My FICO score, XXXX, XXXX  and XXXX credit bureau have all been effected significantly to the point where I have lost over 20,000 dollars in credit thus far. Please help me correct these errors against me as soon as possible so my credit is no longer wrongfully negative. 

Thank you for your time with this matter. I would never be irresponsible, and I assure you that I was not in error, Navient was at fault 100 % and my graduation and credit is proof of my responsibility. If you have any questions or need further documentation, please let me know. Thank you again.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

SYNCHRONY BANK WHICH INCLUDES WAL-MART ; QVC ; LOWES HAD SUED ME FOR NON-PAYMENT. I CAN NOT PAY A BILL WITHOUT GETTING A NOTICE IN THE MAIL. THEY HAVE CLOSED MY ACCOUNTS AND TURNED OVER TO COLLECTIONS. I HAVE DONE RESEARCH AND THEY HAVE DONE A LOT OF UN-FAIR PRACTICES. I WAS NEVER NOTIFIED THAT MY CREDIT WAS BEING TURNED OVER TO COLLECTIONS WHICH IS A VIOLATION OF MY RIGHTS ; THEY ALSO SENT REPRESENTATION TO A HEARING WITHOUT MY KNOWLEDGE THAT I COULD HAVE HAD REPRESENTATION ALSO WHICH IS A ANOTHER VIOLATION OF MY RIGHTS. THEY ALSO PUT THESE NEGATIVE ITEMS ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. THESE ARE JUST SOME OF THE ITEMS THAT THEY HAVE DONE WITHOUT MY KNOWLEDGE WHICH IS IN VIOLATION OF MY RIGHTS. I HAVE ALSO BEEN IN CONTACT WITH SEVERAL DIFFERENT CUSTOMER SERVICE REPRESENTATIVES TO MAKE PAYMENT ARRANGEMENTS AND THEY WOULD NOT WORK WITH ME SO THIS IS A REFUSAL OF PAYMENT WHICH IS ANOTHER VIOLATION. THEY ALSO TURNED MY INFORMATION OVER TO A THIRD PARTY WITH OUT MY ACKNOWLEDGMENT OR ANY NOTIFICATION.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

Sent request to Lexis Nexis to add security freeze to my credit report, a copy of credit report / full disclosure and also the credit reporting agency did not respond within 15 days they have violated the FCRA and the entry must be deleted.

The FCRA, Section 609 a ( 2 ) regarding disclosures provides leverage to get the item deleted. I requested to see what they used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted. The credit reporting agency must disclose the source of the information.

Lexis Nexis has refused to respond or send me my full disclosure report Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available My requests are being ignored and after 30 plus days, I still do not have a copy of my credit report
Consumer complaint received 2019-08-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (AZ)

Comenity Bank repeatedly calls relatives about my debts and harasses them about my whereabouts and references social media searches accounts/searches to them. This happened recently as of today XX/XX/19. Calls are coming from XXXX XXXX
Consumer complaint received 2019-10-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NV)

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 DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, 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 you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Acquisition Group, Inc. (TX)

I contacted XXXX and Regional Finance/ XXXX in regard to incorrect information on my credit report but the only justification XXXX came back with is the company confirm its accurate. But didn't provide any documentation. This account show be remove from my credit report immediately because this was not my responsibility. This account show paid ; however, it continues to report " fail to pay '' causing my score to decline rapidly.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (FL)

I have contacted Lexis Nexis for a full file disclosure by phone, email, and by mail over 60 days ago. Lexis Nexis has not complied with my request, nor has Lexis Nexis complied with my request to place a security freeze on my Lexis Nexis Report, or opt out request.

Lexis Nexis is intentionally ignoring my request for which I'm entitled to a full file disclosure of information contained in Lexis Nexis database containing my information.
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Fedloan Help (CA)

FedLoan Help : Nonprofit Organization is a scam, do not give these awful human beings your information. This 3rd party company mislead me to believe that they were affiliated with my student loan agency and the Department of Education. They informed me that I would be entering into the Public Service Loan Forgiveness program, Income Based Repayment Plan, and loan co nsolidation. They charged me {$150.00} a month leading me to believe I was paying off my student loans. Once I found out the payments were not going to my student loans, I tried to reach out to the FedLoan Help for clarification, they refused to answer the phone and never returned my phone calls. Shame on you FedLoan Help you guys are frauds!
Consumer complaint received 2019-10-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I submitted an application for a loan and was approved on XX/XX/2019. I had not uploaded the documents online and there was an expiration date that I can no longer see. One Main Financial sent some contact information out to a branch in XXXX XXXX, Texas. I spoke with an agent on XX/XX/2019 while at work and explained my location and hours at XXXX XXXX. On XX/XX/2019 I called the branch office at XXXX XXXX and XXXX XXXX answered the phone. I identified myself and she looked up my account. She then said that the assigned agent was with another customer and would call me back in 30 minutes. I explained that our work schedules are very similar and I may not be available and asked if someone else could take the information needed. She curtly stated, " if I didn't answer she would reject my application. '' At that time I asked her for a supervisor and she said with a smile I am the manager. I then said thats not what I asked for. I asked for your supervisor, whether its a district or regional manager. She said you can go online. I then said you are not going to give me an email or phone number for someone over you. She stated no and shes rejecting the application and hung up the phone. Now all the emails I was sent, said that I have a team waiting to assist me. Then when I call and ask for someone else she refused me access to complete my loan application for which I was approved for, all because our schedules don't align. But note I am on the phone attempting to meet their business needs as well. 

I then emailed the company immediately. I also called the XXXX branch and spoke with XXXX. She also gave me other numbers to call. This morning I decided to find email that says I am approved and log in. XXXX rejected my application. I would like the reason she put in the system when she refused me the application process. That has to be illegal.