davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center (CA)

On XX/XX/XXXX, I was enrolled in what I now understand is a scam being perpetuated by Premier Student Loan Center related to federal student loan consolidation and enrollment in repayment plan. Premier Student Loan Center charged me {$240.00} for 4 months ( XX/XX/XXXX- XX/XX/XXXX ) for " enrollment fees '' and has since been charging me {$30.00} per month in re-occurring fees.  The services they provided are all services which I could have received for free and Premier Student Loan Center continues to scam borrowers into paying additional fees by telling consumers that additional repayment plans are available through them. In addition, Premier Student Loan Center gave my loan servicer a false email address for me and it also requested sensitive data, including my FSA information.
Consumer complaint received 2019-01-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (FL)

I have been given incorrect information numerous time about my auto loan with GM Financial. I was collected upon when a payment was not due yet. I was told the due date was changed from XX/XX/XXXX to XX/XX/XXXX. I continued to call to verify with their automated system, live agents, and their corporate complaint line and even social media complaint line. I was current on my loan as of XX/XX/XXXX. The due date was changed and verified to be due on XX/XX/XXXX. I am now getting emails from them stating my account is past due when it should not be. I have not been sent any paperwork I requested for a due date change in writing. My statements do not accurately reflect the pay history as they state a payment was returned when I show it is posted. These are the outgoing calls I have made include the following in regard to the complaint. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX call made at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I advised XXXX the social media complaint agent to call my cell phone today with no answer. I also called for a manager call back again and I am getting no service from this company. My complaint and my loan are not being serviced. I have been given conflicting and wrong information on nearly every call I placed. There is no consistency. I feel like I was lied to and strong armed into making a payment that wasn't due yet and when it was collected, I was told my due date would be changed based on being current and is not.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (GA)

I completed a balance transfer in or around XX/XX/2018. As explained in my terms and conditions, the interest rate was a set percentage, but could increase. However, how that interest was calculated was on a per billing statement time frame for the balance transfer. I paid my card in full in XX/XX/2018, but I just received notice that I still owe a final " Balance transfer fee '' payment, event thought my account balance is XXXX.
Consumer complaint received 2019-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CIT BANK, NATIONAL ASSOCIATION (TX)

m being charged excessive fees by CIT Bank for equipment that should have been salvaged .... My name is XXXX XXXX my company is ( XXXX XXXX XXXX ) I have tried on several occasions to buyout my contract only to find that I am still Liable for the entire term after XXXX XXXX and XXXX XXXX told me there was no prepayment fee or penalty ... ... I have spoken to several other people throughout loan period and no resolution ... .Just the same inflated payoff ... .Contracts- XXXX and XXXX. I am trying to settle this amicably but just doesn't seem to happen. One Loan has been paid completely from which I was informed I owe an addition XXXX ... .I have all bank drafts and payments that exceed the original loan amount.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I request a payment extension, for XX/XX/XXXX and XX/XX/XXXX and they granted. It shows XX/XX/2018 30 days past Due. When I was under the extension for those months. XX/XX/XXXX, XX/XX/XXXX. And pay in XX/XX/2018, which I paid, and also paid XXXX for the extension. Please I need your help.I would really appreciated. I need that past due to remove. It shows in the others credit bureau. Thankyou.
Consumer complaint received 2019-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (IL)

All of this information pertains to an account at U.S. Bank and in XXXX I was made a joint account holder with my elderly parent on their U.S. Bank bank account. In XXXX at or about XXXX, right after both parents passed away, my parents were removed and my brother was added to the account as a joint account holder to complete execution of their estate. At some time in or around XX/XX/XXXX/XX/XX/XXXX someone took at a line of credit, similar to a credit card, against this account. In XXXX, after the account had remained empty for some time, I called to close the account only to discover that the line of credit had been taken out and was in arrears. After this closure U.S. Bank sent me the first bank statement for this account in several years. U.S. Bank closed the account and placed it with credit bureau a month later. In speaking with the bank they stated that the line of credit would have required both account holder to sign an additional document in order to initiate the credit beyond normal signature cards for opening an account. In disputing the negative information with the credit bureaus their response was that U.S. Bank stated it was valid however, I've filed a police report stating I've not signed any document related to a line of credit, only the signature card as I was added to the account in or about XXXX.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KS)

I accidentally mailed in a check to the wrong bank for my XXXX  credit card. It was mailed to Citibank and knowing I do not have an account with them they cashed my check and placed it somewhere. I have provided proof where they cashed it, I have provided the amount the check number and have spoken to many representatives the first ones were very helpful. They actually located my check and the account it was placed in, they called it a special merch account. They said they would be mailing me a check with the amount on XX/XX/XXXX but I have not received anything. Now I try to call in and they are stating there is no way the check wad cashed if I have no account with Citi and I need to go through XXXX  and they transfer me without my knowledge. The last supervisor I spoke with was XXXX XXXX st XXXX ( central ) and he was rude cutting me off and then transferred me without listening to me situation. They check amount is over {$1500.00} and it is a loan check to pay off our credit cards. I haved faxed proof as they requested of the check cashed. Check # XXXX about {$1500.00} on XX/XX/XXXX.
Consumer complaint received 2019-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XXXX the XXXX I received a document stating two invoices with account numbers and amounts owed at a balance of {$2000.00}. On XXXX the XXXX XXXX I wrote to XXXX XXXX XXXX and asked for Validation of the alleged debts they said I owed on five separate accounts. On the XXXX of XX/XX/XXXX the read receipt was signed and sent back to me via USPS. No original documentation, signed paperwork, or anything they had on file pertaining to this account was sent as proof of validation and or verification of the alleged debt ; which was requested in my validation letter along with details of the debt, not just a monetary amount. I sent a 609 letter to XXXX  on XXXX the XXXX XXXX and they responded rather quickly ( XX/XX/XXXX I recieved my response ) having deleted 3 of the accounts ( that the Collection Agency didn't even mention in the return letter but I inquired about during first contact with my initial Validation letter ) but stated the two accounts listed in the  account had been verified and belonged to me. Again, the documentation I requested for proof of validation and what was used the verify said accounts were not given to me by the Credit Bureau either and by law I know I have the right to have valid proof that a debt is in fact my own otherwise it must be promptly deleted and all reporting should seize to any of the three major Credit Bureaus.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION (CT)

Mortgage was sold by local financial institution, XXXX, to BB & T. I have accounts and electronic banking with XXXX. Not a customer of BB & T, other than now forced to be for mortgage servicing. Have tried unsuccessfully to enroll in online banking for BB & T, thus submit monthly mortgage payments via check with BB & T issued deposit slips and envelopes. There are no BB & T locations within 50 miles of me ( vs 24 locations for XXXX ). It seems to take ~5 days for mail correspondence between myself in CT and BB & T in NC. 

My XXXX mortgage check bounced, unbeknownst to me ( explained in attached letter ). There was no indication, other than ( in hindsight ) a {$25.00} NSF fee posted to my bank account on XX/XX/XXXX. The check had been mailed the first week of XX/XX/XXXX. 

BB & T did not notify me until XX/XX/XXXX of the issue. At that point, it was already 30 days past XX/XX/XXXX due date ( alternatively, since the mortgage isn't late until after the XX/XX/XXXX of the month, you could also argue that it is not yet 30 days late since a payment was made on XX/XX/XXXX, before XX/XX/XXXX ). 

BB & T notified me of the declined payment on XX/XX/XXXX, at which point I immediately addressed the issue. In fact, I had already mailed a regular monthly check on XX/XX/XXXX ( since I was unaware of the issue ), which BB & T processed on XX/XX/XXXX ( the aforementioned XX/XX/XXXX payment. 

BB & T reported the delinquency to credit agencies on XX/XX/XXXX, despite, at that point, being caught up given the XX/XX/XXXX payment. I continue to receive mail correspondence from BB & T, all with different balance due amounts, foreclosure documents, etc., clearly illustrating that BB & T 's processes are lagging. BB & T is not meeting the standard of mortgage servicing that was agreed to with original loan underwriting. It was not possible to rectify the payment issue within a 30 day period given the lag of communication.
Consumer complaint received 2019-01-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC. (CA)

This is a formal request for a block or Deletion of XXXX XXXX XXXX ( CHECK INTO CASH ) according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-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 ) days business days after the date of receipt by such agency of :
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

We paid what was owed on account but there was an amount charged of XXXX that I never signed for and it was a fraud from a jewelry story from out of the country as soon as it came on my account I contacted HSBC and they would not do anything and I found out they are not in the United States. I need some help and really advise no one to obtain the HSBC CREDIT CARD please help with this situation as I have no problem with numerous credit cards I have and want to fix this Asap
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KS)

My student loans were paid in full in XXXX, and I have the receipt to prove it. When Navient bought my student loan, they have lost payments and continued to keep adding interest to a loan that was already paid. I have now gotten notice that I have less than 30 days to pay it in full ... ( which has tripled ) due to the outrageous interest. I have turned them into the XXXX, and I have showed them multiple times that the loan was paid in XXXX. Now it is XXXX and these people will not leave me alone, nor leave my co-signer alone, they call 5-8 times a day, emails and letters with threats. I am at a loss of how to get these people to leave me alone!!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX has violated my rights. Under 15 USC 1681 SECTION 602, states that I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2, states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-07-17
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. (RI)

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Account XXXX : XXXX Date Reported : XX/XX/2023 & XX/XX/2023 I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX to confirm the validity of the reported late payments.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I recently pulled my credit report and found that here is 2 late payments reporting to my credit report. 

The lates are in XXXX and XXXX and I believe this may be report inaccurate
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc. (MD)

Received multiple phone calls from United Check Recovery concerning debt/check for XXXX XXXX XXXX I clearly explained that I am not XXXX XXXX, to remove me from their calling list, that XXXX XXXX does not reside at my address and that XXXX XXXX did not give them my personal phone number.
Consumer complaint received 2023-07-17
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. (NJ)

Upon further review, it has come to my attention that I have been victimized by identity theft/fraud. 

XXXX XXXX XXXX XXXX {$6500.00} 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 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co on XXXX XXXX 

They ran an unauthorized report on me. I did not authorize such an inquiry and demand that you contact these companies immediately and have the unauthorized inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may be subject to a fine. Pursuant to 5 U.S.C 552 ( b ) ( 6 ). Any personal, medical, or similar file is exempt from public DISCLOSURE if its disclosure would harm the individual concerned or would be a clearly unwarranted invasion of the persons ' personal privacy. Failure to comply will result in a report being filed with the FTC CFPB & XXXX  and once again id like to take this time to thank you in advance for your understanding compassion and most importantly speedy cooperation in this delicate situation. 



If you have any questions, please contact me at the address listed below. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

File XXXX XXXX bankruptcy in 2021 that was discharge on XX/XX/2021. I was a co-signer of a auto loan from Capital One that was included in the XXXX, I never signed a re-affirmation letter. The car is in possession of the 3rd party who was initially on the contract. That person is currently making payments on the vehicle but has been late on several payments which is now being reported on my credit reports. I have written and call many times to Capital One and each department stated it is not their responsibility with that dept. I am constantly getting the round a round. Capital One has failed to respond to me are my XXXX attorney. According to the Bankruptcy Trustee Capital One is making it difficult to close this case by trying to collect funds that are already included into the loan.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.
Consumer complaint received 2023-07-17
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. (RI)

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XX/XX/XXXXXXXX Account Number : XXXX Date Reported : XX/XX/2023 & XX/XX/2023 I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

In accordance with the Fair Credit Reporting Act, XXXX, Equifax XXXX XXXX have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
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. (FL)

XX/XX/23 I reached out total ( 3 ) Bureaus advising I am a victim of identity theft and to remove the accounts as they were obtained or opened without my consent. I also sent my verifiable documents and police report. I have yet to hear anything back and its over 30 days.