davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
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. (NY)

I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my  information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

My American Express Credit Card called XXXX XXXX was about to expire. I received a new card in the mail which was also XXXX XXXX card but it was XXXX that I had canceled many years back because I spoke to a representative who confirmed that I cancelled this card. Unknowingly I reactive this card thinking it was my replacement to my card that was about to expire, I then saw XXXX of the same cards on my online app and I assumed eventually they would move the balance over ( why would I open XXXX of the same cards! ) .I waited and started using the new card it went over my limit and I got a notification. So I called Amex right away and they confirmed I cancelled the card so why was I sent a replacement for that and not my new card. This unfair to me as my credit will be impacted.
Consumer complaint received 2018-12-11
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. (GA)

I asked XXXX, Experian and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. Immediately XXXX  removed the account from my credit report, XXXX and Experian did not. I sent a copy of the XXXX report to the other two reporting agencies and asked them what did they know that XXXX  did not. I have NOT received a reply and it's been well over 30 days! 

According to XXXX and Experian the BK Court in XXXX  verified the data. I have a letter, which I provided to all 3 bureaus, from the courthouse saying they do no such thing! 

Then I looked in XXXX. They are a third party, for profit company, which makes the information provided heresay. Also, why aren't XXXX  and XXXX  responsible under FCRA to do a complete investigation and to know 100 % what they are saying about me. It's ridiculous that when one backed down, XXXX, and that evidence was provided to the other two that they maintained their position - they are providing information they have NOT verified! 

Please make them abide by the law meaning only report first hand information, or delete the bankruptcy from my report. 

Thank you, XXXX XXXX
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

First of all the worst thing i did was get a loan to go to school. Secondly i have been applying every year for a lower interest rate. As i apply every year the interest keeps going higher and higher as of course the point of Navient is that i pay the interest more than the principle. It was time again to reapply for the help but it has been three weeks since they have answered my emails. I did receive a call from a Navient Customer Service rep after i emailed who i believe is the head of Navient XXXX XXXX. i have sent several messages to him begging for help as my payment is coming up and the next payment would be double what i have always paid. i am not denying to pay but i really need the interest lowered so i can continue paying. I will work with them but i still need to feed my kids and put a roof over their heads.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (IN)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$720.00}
Consumer complaint received 2022-06-16
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. (FL)

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

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
Consumer complaint received 2023-03-14
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: JPMORGAN CHASE & CO. (WA)

I visited XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. On my way to the airport to come home, I left my backpack in the back of the hotel-offered shuttle. The shuttle had already left when I realized my backpack was gone. I was standing at the front of the airport when a man dressed in a security airport uniform approached me and told me I needed to go back to the hotel to track the hotel shuttle that had my backpack. I got into the unmaked shuttle with him and a driver to head back. The hotel was approx 15 miles from the airport. We didn't even make it to the airport and the man told me he found the shuttle and we returned to the airport where it would meet us. We drove for less than half an hour altogether, there and back to the airport. I got my backpack back and was told that ride to find the shuttle would cost {$140.00}. I thought that was an outrageous price but agreed. He took out his XXXX and showed me the {$140.00} total and manually typed my card in. I signed for the {$140.00} and he did not offer me a receipt. The whole thing felt organized and sketchy and I felt very unsafe riding in an unknown shuttle with two strange men. I came home and realized this guy had charged me {$1400.00}. Not the agreed-upon {$140.00}. I disputed this with chase bank. At first, they agreed with my dispute and then went back on that decision. I then sent them a notarized letter I will include here after they disputed my dispute. They are not helping me resolve this and taking the side of the scammers. Why would I pay XXXX for a 15-minute shuttle ride? They are not telling me why they are not approving my dispute. They are ignoring me when I ask for an explanation. I was honest about the {$140.00} and was willing to pay that. This is a known scam in XXXX and Chase bank is not supporting one of their customers who has been loyal for years and always paid their account on time. Instead, they are assisting well-known scams occurring in XXXX. I would never agree to a {$1400.00} shuttle ride and for whatever reason Chase doesn't understand that. I am an older honest woman who is being taken advantage of.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (MI)

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I have been giving a hard time disputing inaccurate information off my credit report. I have disputed several items from report in which has effected me from getting credit. One item is a bankruptcy i have disputed this item several times. all three credit bureau say that the United States Bankruptcy Court has verified the information of which is inaccurate.

According to FCA credit bureau are to verified through the furnisher not a third party. i have supporting documents stating that the furnisher do not report to any credit agency
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (FL)

Ive told XXXX and XXXX and XXXX. Please remove global lending services off my credit report because it doesnt belong to me and I never dealt with that company in my life. Can you please Ive been dealing with disputing this item for months and always communicated with the company which information does not match up I have disputed this multiple times with XXXX and XXXX. XXXX XXXX already took it off my credit report.. can you please ensure that these guys take it off this does not belong to me and its ruining my credit Im a victim to identity theft. My Social Security number is XXXX. My date of birth is XX/XX/1986. Can you please have these guys remove this off my credit report
Consumer complaint received 2022-06-16
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. (FL)

In accordance with The Fair Credit Reporting Act XXXX # XXXX # XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX has violated my rights.

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 my account without my written instructions.
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (UT)

IC Systems is trying to collect {$710.00} and has put a collection on my credit report. The collection was placed on XX/XX/2021 and an XXXX XXXX as the original creditor. I have never had any interaction with XXXX XXXX and never heard of them prior to the collection from IC Systems. I have reached out to XXXX and had no response to show what the debt is, when or where it originated or what the service even was. Letters have been sent to both XXXX XXXX and IC Systems with XXXX response.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXXXXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$720.00}
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (WI)

My account was negative {$40.00} on XX/XX/XXXX. I made a cash deposit at an ATM that evening at XXXX of {$41.00}. The account was positive XXXX  cent. On XX/XX/ I also recieved a direct deposit in the amount of {$370.00}. The bank charged me {$180.00} in fees and stated my deposit of {$41.00} didnt apply until the XXXX of XXXX not XX/XX/XXXX. I brought in the receipt of the deposit from the ATM which clearly stated the deposit had been made onXX/XX/XXXX. The bank refused to credit the overdraft fees.
Consumer complaint received 2023-03-13
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: SYNCHRONY FINANCIAL (OH)

Synchrony bank- XX/XX/2023 {$5.00} XXXX {$5.00}. I attempted to call company and then was hung up on about this on my credit report. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-26
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. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-26
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: LEXISNEXIS (PA)

My name is XXXX XXXX XXXX Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-26
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX XXXX {$5100.00} XXXX XXXXXXXX : {$6200.00} XXXX XXXXXXXX : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I was charged a late fee of {$41.00} on an amount due of {$41.00}. That is 100 % late fee of minimum payment to a Lowe 's CC. I had to pay it 2 days late. It was actually paid online on the due date but didn't show up until 2 days later.
Consumer complaint received 2022-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION (VA)

Payment due on XXXX of {$2900.00} for mortgage payment. 
Payment made on XXXX of {$3000.00} for mortgage payment in branch. Their online system is having challenges as they complete a merger. 

XXXX the online system tells me I have missed a payment that was due on XXXX. This is not rational since I made the payment a day early and overpaid.
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (GA)

I am so upside down in a car loan through Santander consumer and my car note is extremely high as well. Im not able to refinance nor trade the car in due to owing so much. They also report incorrect information on my credit report. I have never received any paperwork pertaining to my information I have requested. I had the car going on 4 years and still have 3 or 4 more. Im not sure how this could be possible.
Consumer complaint received 2022-08-26
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
- XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: National Budget Planners of South Florida, Inc (IL)

My complaint is with National Budget Planners. National Budget Planners solicited me for federal student loan consolidation services in XXXX. They told me that I would be eligible for loan forgiveness after making on-time monthly payments for seven years, regardless of my occupation. They also told me that my monthly payment would only be {$39.00} since I was still looking for full-time employment after graduating and qualified for a reduced payment plan due to my low income. They made it sound like this {$39.00} a month would apply to my student loans. Come to find out that this $ 39 monthly fee did not apply to my loans and was just a servicing fee for National Budget Planners, even though XXXX Servicing was actually servicing my loans so they had me thinking that XXXX was charging me the $ XXXX. Once I got a full-time job in XX/XX/XXXX, I recertified my income-based repayment plan and my monthly payment increased with the student loan servicer, XXXX, and I noticed I was still being charged the extra $ XXXX. When I called to ask what this was for, I was told that it was the fee charged for servicing loans and was under the impression that this was a XXXX fee. As of XXXX XXXX, XXXX, my federal loans have been transferred to XXXX for servicing by XXXX. I was still charged the $ XXXX fee in XXXX and XXXX of XXXX, so when I called XXXX to see why they were still charging me, they informed me that Federal Loan servicers of the Dept. of Education do not charge fees for servicing loans. After escalating my conversation to a supervisor, I was informed that I didn't sign up with XXXX directly and that National Budget Planners had basically " scammed me '' into using them as a " reference '' for signing up with XXXX ( the supervisor 's words, not mine ) so National Budget Planners are the ones who have been charging me $ XXXX for the past seven years, which was never made clear to me. The XXXX supervisor told me to make sure XXXX removes their access from my account, have my bank put a block on all future charges, and file a complaint with the FTC against the debt relief company as " this is basically a scam '' ( again, the supervisor 's words, not mine ). Not only did National Budget Planners mislead me from the very beginning about loan forgiveness eligibility, monthly payments, and interest rate accruals, but they also made me believe that I was working with the actual student loan servicer, XXXX, the entire time. All of these conversations were done over the phone, so no documentation is available to share, which is even more frustrating.