davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MS)

I have XXXX student loans with Navient, all of them which have been in deferment for 10-15 years and the interest has made my loan too expensive to pay. I have kept up with forbearances and they put on my credit report that I didn't do a forbearance until a month later than need and it put XXXX bad credit ratings on my credit report. I was under the covid forbearance and it was done by phone. They are messing up my credit for XXXX or more years because of their error. Why would I forbearance and keep up with this all but 2021 which they say I didn't that was during covid and cares act. I need these student loan marks off my credit report. Navient is ruining peoples lives.
Consumer complaint received 2019-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Ameritech Financial (KY)

I have been enrolled in an income re driven payment plan with XXXX since XXXX, XXXX was suspend due to a civial fraud case with the FTC and XXXX had not received any money from. Therefore i have been paying XXXX since XXXX for nothing, the money has gone no where. XXXX was suppose to pay of the loan upon agreement, after i paid half the loan and paying XXXX a fee at the beginning of this process. I had asked for documentaion about 6 months ago and all the sent me was from XXXX forward, i needed this info for hospital spin down payment process, that was pulling teeth to get that documentation.
Consumer complaint received 2022-10-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (GA)

I was denied a banking, The bank said it was due to my XXXX XXXX Report ... I requested the XXXX  REPORT AND FOUND 3 different bank accounts open with balances and Judgments that were not mine due to Identity Theft. I want this removed from my XXXX Report it is causing me financial issues. I've placed a fraud alert on my credit report, and contacted the FTC.Gov. Please Remove this information immediately and send results to the address on this report I will be giving. ASAP. Thanks
Consumer complaint received 2019-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

on XX/XX/18 I purchased a used vehicle from XXXX XXXX XXXX. I was sold a 2017 XXXX XXXX. My purchase contract states that I purchased a vehicle with no additional warranty, even though I financed and paid several thousand dollars for my warranty. The company pressured me to roll in more onto the loan than the value of the car. My information on my disclosures and purchase contract does not align with any of the information or financing that was agreed to. The vehicle I was pressured to purchase now has been wrecked and not disclosed so I am filing a complaint with Indiana State for possible Dealer Fraud as I was also provided a XXXX XXXX free of any accidents and the car has substantial damage to it covered up prior to sale. This compilation of ineptitude, and conspiracy has me with a higher rate auto loan, a car only 3 months old that has massive damage to it and much extenuating costs associated with financing and auto ownership. I have given them multiple opportunities to buy back the vehicle or to simply repair the car and bring it to par. Their answer was to accuse me of fraud and of wrecking the car since purchase. It's a horrific situation and one that can not be fixed by me alone. My credit report equally shows they did not properly pay off my auto loan as is required by law.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (CT)

On or about XX/XX/2022 I called Macys XXXX XXXX credit card customer service XXXX. I called to find out why my credit limit was lowered from 2500.00 to 1100.00 without giving me prior notice and the representative did not know why and he told me that I had to speak to the credit department. On the same day, XX/XX/2022 I informed the representative that I was going to file a Fair Credit Reporting Act violations complaint against Macys and he noted everything down. My macys creit card records show that I had made a payment of 2400.00 approximately 3 weeks earlier and I believe there is no reason for Macys to lower my credit limit damaging my reputation. 

On or about XX/XX/2022 I apoke to a representative at Macys Credit Department and they told me that due to my fico score the credit limit was lowered. I argued that no prior notice was provided and that I was going to file a complaint with the FCRA. I asked about my wife 's macys credit card limit and the representative told me everyting was good and that her credit limit was staying the same at 2000.00. Aproximately 3 weeks prior I had payed macys XXXX XXXX credit card 1800.00. 

On or about XX/XX/2022 upon checking online I noticed that Macys had also lowered my wife 's macys american express card limit from 2000.00 to 1000.00. I believe macy 's did tis in retaliation after I had informed that I was going to file a complaint based on Fair Credit Act violation with a federal agency. 

I believe their actions are illegal, discriminatory and very unfair.
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NY)

My Barclays arrival credit had a balance that I was paying consistently. I was then enrolled into a credit relief program. They settled the account with Barclays. This was settled and paid off however Barclays still shows it as a charge off which negatively affects my credit.
Consumer complaint received 2021-03-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Motor Credit has taken the money from my bank account, but refuse to apply that money to my balance. 

I have called four times regarding this issue, all I get is a stalling tactic of " it will happen in x number of days ''
Consumer complaint received 2019-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I want to express my frustration with working with OCWEN on a Loan Modification to  save my house on due to my hardship situation. Not only have they made the situation difficult for me, I feel like they have not cooperated in helping assisting me in keeping my house, the house that I have work so hard to keep. It all started in XXXX of XXXX with a simple request of a Loan Modification. I was facing a small Hardship that caused me to fall behind on my payments for the house. My household income was decrease for a bit due to the fact that the commission I was receiving was shorter that what it previously used to be at. I could not pay the month of XXXX on time and next thing I knew I felt behind on my mortgage. I did not mean to fall behind on my payments, I am very responsible woman, and try my best to satisfy the obligations of my monthly bills. I requested a Loan Modification back in XXXX and was Denied on  XXXX of XXXX just with the simple fact that the investor did not want to participate in the Loan Modification. They kept sending me letters to help me out with a Loan Modification to save my house, they kept sending letters that the file will be reviewed for a Loan Modification. I send my loan modification package to be reviewed by them, they open a template, have the file be reviewed by the underwriter, and then deny my file for a loan modification because the investor does not want to participate on the Loan Modification. I don't understand why would they not want to participate in the Loan modification. I want to do right by them and get an approval and start making payments on the Loan I have under my name. Then they managed to scared me even more by sending me a letter that a Foreclosure proceedings was going to be initiated due to the fact Im not paying the mortgage, its not my fault im not paying the mortgage, its your fault, because once I saw I was in a hardship, I requested help, you started to help me, and then turn around and said no. Its not fair for me as a consumer. I want to save my house, I have the money to pay my monthly payment. They send over another letter that they can help me, and next thing you know, I provided the documentation to have the file be reviewed for a loan modification, they open a template, have the file be review, and then I get a denial for the same reason. I don't think this is fair for me.I need the help, you start to offer it and next thing you know deny my help. I want to do what is right for both us as a consumer and you as a bank. I know I qualify for a loan modification, I know I can save my house, I know I can eliminate the foreclosure, but I need your help, its just not fair for me that I work so hard with you, comply with everything that you needed, and next thing you know, you just want to deny my case and proceed with a Foreclosure to try to take over my house. Its just not fair at all.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Open account with XXXX XXXX  in XXXX. It is reporting 120 days late. How can you report on 120 days late when I just open the account in XXXX I am constantly this. We XXXX XXXX and they refused to report it there in violation of my rights on the USC 1681i. I feel that my report is being tampered with because they steal report information intentionally did they know its not correct
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WI)

On XX/XX/2020 XXXX XXXX shut down my frequent flyer account. After filing a complaint with the DOT, XXXX XXXX cited the reason was " These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. '' This language was not present on the mailers I applied through. I have had numerous Citi AAdvantage Platinum credit cards over the years and non of my applications contained any 48 month restrictions. All the miles in my account which were awarded through Citibank were confiscated. Representatives at Citi have suggested I reach out to XXXX XXXX, but XXXX XXXX has not been helpful in coming to a resolution. I would like Citi to either get my miles back which were awarded as part of my credit card sign up bonuses or admit that I did nothing against any bonus eligibility restriction rules.
Consumer complaint received 2022-12-30
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance : {$27000.00}
Consumer complaint received 2022-02-16
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. (PA)

I was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2020-08-03
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$410.00}
Consumer complaint received 2023-05-07
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: DISCOVER BANK (PA)

XXXX XXXX XXXX are reporting fraudulent accounts that you did not open.. these account dont belong to you.. you are victim of severe id theft. I had reported this to the company and the credit bureaus i was told that i was responsible for the account I have not given anyone permission to use my Social Security number to apply for credit cards
Consumer complaint received 2019-04-25
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (WA)

the attorney general has this and is submitting it to the nelnet party to try to resolve they suggested you may be interested, the owning company nelnet took XXXX out of my social security check, i knew nothing about it, al lof a sudden i could not pay rent. i get XXXXsocial security iamXXXX years old, XXXX of that is for rent. so after rent is paid i have XXXXleft for the entire month since that took place i dont even have that now.everything has to go to pay rent to make up for the XXXX loss. i want that money returned so i can give it to landlord. this happened on XX/XX/2019 it concerns a student loan fromXX/XX/XXXX, a  company called XXXX  XXXX XXXX  called me a year or so ago and worked it out so loan would be forgiven o rso they told me however nelnet still has that loan on there books about XXXX i went to school at XXXX college in XXXX wa to try and learn XXXX XXXX so i could get a good job, however i could not pass XXXX  so i was not allowed to continue. so i only went 1 semester.i learned later that due to my age and some XXXX factors i would not get hired had i completed the course.i think XXXX college should have refused me in the beginning, as they knew my situation. i still would like to pursue that education as that is a hot topic in the coming years, buti guess i cant. XXXX XXXX
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (MN)

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.
Consumer complaint received 2019-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

I sent {$120.00} UDS online utilizing Moneygram on XX/XX/XXXX. It was not indicated to me that this was a 3-4 day transfer process at the time I made my transfer. Subsequently, the pending transfer was listed in the XXXX XXXX account which I transferred the money from on the following day Monday XX/XX/XXXX, and settled out of that account of that account on Tuesday XX/XX/XXXX. I have emails and time stamps on my banking records to document this. 

It is now 5 days ( 4 business days ) since I initiated this transfer, and the funds have yet to settle into the account for the recipient XXXX XXXX to pick up locally in XXXX. My calls to Moneygram have been unsatisfactory to say the least! Their customer service is pathetic. I find their conduct unethical and lacking integrity. They should be censured for the disingenuous manner which they are conducting business.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I applied for Credit on XX/XX/XXXX and I got a denial of credit. The reason is past credit not paid. Yet all the credit was included in Chapter XXXX BK and should not be affecting me as it was discharged 2 years ago. The credit reporting agencies also keep ageing the debts included in the BK.. 
2nd complaint I tried to remove a fraud allert on my credit files in writing. All 3 agencies returned a letter stating it isn't there but, I'm getting denials for it being there.
Consumer complaint received 2022-12-30
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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Consumer complaint received 2023-05-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

My Insurance payed most of the loan off and gap insurance payed the remaining balance Ally Financial has been an unprofessional company and their customer service receptionist are very rude and unprofessional this claim has been prolong too long and they have received checks to pay off the vehicle its affecting my credit and me chances of getting approved for another vehicle i will like this problem to be resolved I recommend no one to deal with ally aleast you want deal with unprofessional company that dont tell information correctly and prolong situautions for a long time and dont care how it affects the customer