davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.
Consumer complaint received 2018-05-11
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. (NJ)

Experian refuses to take my identity theft report which indicates that the XXXX account is a result of Identity theft. Experian keeps claiming that it is not identity theft when there are multiple reports and also there is an FTC report which they keep on turning a blind on eye too. I already told Experian and XXXX that I refused to pay for something that is not my fault nor is it something I caused. I believe Experian and XXXX have a secret agreement because Experian is the only one who is foolish enough to keep this game going on and they are messing with my life personally because they are making it hard for me to get credit in my name that is actually mine. Experian needs to Remove the XXXX account from my Credit Report.
Consumer complaint received 2021-10-22
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 credit card with XXXX XXXX XXXX and I requested a credit line increase 0n XXXX, I was shocked when they denied me because I have excellent credit. I waited for denial letter which states they received report from transunion. All of the information is wrong I immediately called transunion, transunion rep told me XXXX has not checked my credit and that my last inquiry was in XXXX and not from XXXX XXXX. Transunion told me to call them when I called they are denying it and claim they got information from transunion. Not sure where XXXX XXXX received their information from because I have no inquiries on my Transunion report from them. The information they are providing me is completely wrong, I have NO outstanding balances on any of my credit cards, my credit rating Is exceptional and very good.
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

It all started when i attended XXXX XXXX in XXXX. Then the school shut down a week before i got my money but i was still charged XXXX dollars that was paid. I moved back to XXXX staterd attending XXXX XXXX College XXXX XXXX campus they kicked me out of school due to nonpayment on the XXXX loans the tax form i have says i paid XXXX dollars back in loans and XXXX dollars back in grants. I finally after a month got to go back to XXXX and recieved a small portion of my loans and grants XXXX dollars out of XXXX dollars worth. They never did give me the rest i was top of my classes they kept giving me the run around so i am currently struggling to transfer to XXXX XXXX College XXXX XXXX. School for summer classes starts in a few days they have been acting like they arent getting my transcripts finally got those then it was a problem with my test scores got those then they email me about my trabscript being incomplete so i went to XXXX and they maticously had everything now im still trying to set my classes up with them. It has just been very difficult ever since XXXX XXXX and all im trying to do is get a degree in XXXX XXXX.
Consumer complaint received 2015-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Global Lending Services LLC (OH)

I purchased a Chevrolet Cruze LT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX ( XXXX ) XXXX on XX/XX/XXXX ( my credit score was XXXX ). They directed me to Global Lending Services for the loan ( I had previously been with XXXX XXXX@4.9 % ). Since the purchase, I have had nothing but trouble. I had to cancel a {$1500.00} ( extra ) warranty that the dealership had told me I should buy. My last statement shows a repossession fee of {$100.00} added to my bill ( my car has not been repossessed ). In XX/XX/XXXX I made a payment of {$XXXX} payment to catch up ; however, I requested a payment history summary from Global, and, the payment history shows I was credited with paying only {$XXXX}. At the beginning of the loan the pay-off was {$XXXX}. During the past year, I have made over {$7000.00} in payments, but my pay-off is still well over {$20000.00}. Global refuses to allow me to change my payment due date ( I have requested a new due date XXXX to help me make my payments on time ). I need help from somewhere.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2015-04-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My citizens bank account in 2011 was hit by a payday loan firm multiple times a day causing me to achieve overdraft fees of over XXXX dollars. I asked the bank to freeze my account so this would not happen and they told me they could not because I was at a negative balance. I had to get a law firm to send a letter XXXX the put my account on a freeze. By then it was XXXX dollars in the hole and not a single penny was a result of an overage. Every single cent was b/c of nsf charges so this cost the bank XXXX dollars but is still on my chexsystems report. Its killing me on getting a car loan.
Consumer complaint received 2016-03-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was added to my uncle account due to his in availability to collect his rent in XXXX, so that when rent is collected I can pay it into his account. Someone else has assume such responsibility and I would like my name taking off the account, only to be told that I am responsible for a credit loan that was given to him prior to them adding my name to the account. I am being asked to pay the balance of the loan of XXXX and also affecting my credit score. I have my own account with citizens bank and I dont want to be associated with the joint account anymore.
Consumer complaint received 2020-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion has not responded to my challenge dispute letter sent to them on XXXX, XXXX 2019. Please see attachments. 

As of today, XXXX second I have not received a response letter from Transunion. 
A violation of FCRA.
Consumer complaint received 2018-05-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX XXXX Ref # XXXX XXXX. XXXX XXXX XXXX XXXX Ref # XXXX 4. XXXX XXXX / XXXX XXXX ref # XXXX.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX  Account XXXXXXXX XXXX  ACCOUNT NUMBER # XXXX has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-22
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Financial Services. We leased a XXXX XXXX. When the lease was ending we got the pay-off and it was for XX/XX/XXXX. We paid it off ( which Toyota states we received your payment of {$11000.00} on XX/XX/XXXX ) and figured that was that. However, in XXXX we found out they were marking our account delinquent which made no sense as they had our {$11000.00} since XX/XX/XXXX. Even charged us some kind of tax we paid in full AFTER we paid off the car. XXXX - Toyota Account Manager XXXX reached out to me from XXXX and said there was some paperwork we had to sign to get the title. I asked if our credit would be cleared up once completed and we were told yes. However, they never cleared it up and are refusing to still clean it up. We were NEVER late, in fact, they owed us a refund after it was all said and done. They owed US money. 

XXXX has not reviewed the verifiable information that Toyota had our money in hand. If there was an issue... Toyota should have sent us back OUR money and that would have alerted us there was an issue. They did not give us back OUR money NOR did they inform us of any issues. As soon as we were aware there was an issue XX/XX/XXXX ( Friday ) we returned the paperwork XX/XX/XXXX ( Monday ). There were no late payments. XXXX- when I spoke with her - assured me once they paperwork was filled out - our credit would be corrected. We asked multiple times ( through their " Secure Messages that are no longer " accessible '' nor can you see any YOU send ) about them fixing our credit and that XXXX assured us they would fix this. On top of that they had to pay us monies BACK ( over {$300.00} ) and probably actually owe us more. I wonder if it was legal for them to charge us additional amounts AFTER they took our {$11000.00} that we *also* paid for some kind of tax on the car.
Consumer complaint received 2021-04-12
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: EQUIFAX, INC. (UT)

I have been disputing items with the credit bureaus for almost a year now and they have yet to respond to any of my disputes. I have serious erroneous items on my credit that must be removed. Somehow, over the course of a year I haven't had anything fixed or received any letters. Please fix immediately.
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I never opened a credit card with XXXX XXXX XXXX XXXX  This is a fraudulent credit card that was opened unauthorized due to identity theft. Unfortunately, I have been a victim of identity theft. I had my purse stolen out of my car that was broken into. I have had my identity stolen and XXXX person who did it already served jail time. I have had my personal information sold on the XXXX market. I have police reports for proof and I am working with a XXXX I told this credit card company that is ruining my credit that this was not mine and I showed them proof but they still will not set it as a closed fraud account. They even wrote me a letter saying it was fraud but now they are saying its not by putting it in my credit report. Please get this company to leave me alone and take it off of my credit report.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (NJ)

This is coming from myself and no other person. On XX/XX/XXXX I contacted this company in regards to my right to privacy. This company has been furnishing items on my consumer report without my consent. This is a violation of federal law. I demanded this company to remove these items that are against the law and this company did not comply. In fact they claimed to have done an investigation when in fact there is no investigation needed in my demand to exercise my right to privacy. This is IDENTITY THEFT 18 U.S Code 1028. EXTORTION. 18 U.S Code 872. RACKETEERING 18 U.S Code 1962, FRAUD AND SWINDLES 18 U.S Code 1341 and 18 U.S Code 880 RECEIVING THE PROCEEDS OF EXTORTION. Amongst the FCRA violations like PERMISSIBLE PURPOSE 15 U.S Code 1681b
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

My homeowners insurance was due XX/XX/XXXX. My property taxes and insurance are part of my escrow. It as not paid so I had to pay it myself XX/XX/XXXX. I have called and emailed through the UWM portal multiple times beginning in XX/XX/XXXX. I also provided my insurance XXXX page to show the amount due. To date I have had no response. They left me at risk due the my homeowners insurance was going to cancel my policy. I was not covered for XXXX  days in XXXX of XXXX
Consumer complaint received 2022-06-15
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: CITIBANK, N.A. (AK)

On XX/XX/XXXX someone conducted a balance transfer from my Citibank credit card in the amount of {$7000.00}. And then apparently they tried another {$7000.00} balance transfer which would have put me over my limit and was rejected. I was notified of the rejection via email from Citi, which alerted me the successful fraudulent charge. I contact Citibank the following day. The representative filed it as a dispute, told me the charges would be removed in 2-3 business days. In addition, she re-numbered the account and sent me a new card. 

These two transfers were initiated by paper check, so apparently someone had gotten balance transfer checks that Citi endlessly fills my mailbox with. I asked the Citi rep to provide me with a copy of the check. She was unable to do so. Like literally, she couldn't access the check. She couldn't see who the payee was. She only had the same information I did : check number, date and amount. She gave me the phone number to Citibank Security Services. I contacted them, because the account had been closed/renumbered they couldn't access the information, and claimed once I received the new card and activated it they would be able to see the check. 

I received the new card and activated it on XX/XX/XXXX. On XX/XX/XXXX I checked the account online and the fraudulent balance transfer was still on my account. I contacted Citi again via phone and was told that the disputed charge would be removed within 2-3 business days. 

On XX/XX/XXXX I checked and the disputed charges were still on my account. I contacted Citi again as was told it would take 3-5 business days to remove the charges. At this point I pointed out that it had been 9 business days since I reported the fraud and I wanted the charges removed today. Citibank customer service is of no assistance at all.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (OH)

I had XXXX for some years. So they offered me a package to watch for being a good customer. The only terms was I was to cancel the package before the ending period..which i did. 
But XXXX still charged me for the package that I canceled before the ending date..this account is over 6 years old now. 
Also it 's the 3 or 4th time that they are trying to collect a debt that I do not owe
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (SC)

I XXXX XXXX, XXXX XXXX XXXX, XXXX SC, paid my debt to XXXX XXXX   for {$62.00} and to their partner Company XXXX XXXX I paid my debt for {$280.00} I have contacted the company on many occasions to get a " : paid letter '' '' Every time I call I am told it was mailed. 

So far I have been told this 4 times including today XX/XX/18. The credit department says contact the post office. I don't feel I need to do this since I have not had any other of my mail not received including electric bill, phone bill, cable bill, water bill, and 12 credit card bills, as well as misc mail. It seems very odd that this is the only document that seems to be missing even though I was told it was sent 4 times already. 

I need these letters to prove to my creditors they were paid before I can do any more business with them XXXX XXXX XXXX phone is XXXX XXXX XXXX my acct # XXXX XXXX XXXX number is XXXX XXXX XXXX my acct number XXXX All they know how to do is say " we will mail it again '' '' I paid the first bill on XX/XX/18 and the second one on the second one a week or so later.

All I want is my letters showing these accounts are paid in full and have been getting a run around for two months. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (OR)

I 'm still awaiting a final payoff letter from Citizens One, formerly XXXX Mortgage, and it improperly threatened to charge me a fee. I need the payoff and lien release ASAP because we are trying to close escrow on the subject home. I have asked for the account to be closed several times, including in writing. 

I did not even know I had an account with XXXX Mortgage. XXXX XXXX XXXX transferred my XXXX mortgage there several years ago even though I paid off the debt with XXXX XXXX XXXX. I only found out about it because the escrow company discovered it during escrow proceedings. 

After XXXX of my many calls and a letter to Citizens One, they again confirmed that my now home equity loan has a zero balance. They then faxed me a statement showing a {$25.00} balance for a fax fee, asking me to send them a certified check to close the account. I called to contest the charge because I had never heard of or authorized it, and a supervisor agreed to reverse the improper charge. She also said she would have the company fax me a final payoff letter to close the account the next day. I still do not have that document, and it has been a week. 

Please contact them and make them close my zero balance loan and send me confirmation so I do not get penalized in escrow. If I do, I will seek compensation from them. I would also appreciate some payment from them to compensate me for the hours I have lost dealing with them.
Consumer complaint received 2018-04-02
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)

These accounts still continue to be listed on my credit report! They are bogus! XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are placing these items on my report and they are not valid! See attached dispute letters
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX XXXX was assigned by XXXX XXXX to collect a debt, on XX/XX/2018 I called XXXX XXXX and paid the amount of XXXX to close the account with debt paid in full. I spoke with a man who identified himself as XXXX, the calls are recorded so there should be a recording of what I report. He did ask me if my bank account was frozen, maybe not the exact words, but I replied no, not that I was aware of. I later discovered their was a garnishment against my account, actually 2 accounts but there was enough to cover it in one account. I called back and explained that I needed the hold released because it was my mortgage and I had already paid it. He stated that they could not release it so I ask if I should stop payment on the payment I made by phone because I didnt want to pay it twice nor could I afford to. He informed me that if I did that it would make the process longer, but would not give me an amount of time it would take to return the money to my account. I have since had several conversations with different staff there, some, well most of which are extremely rude, and I have spoke with my bank and the court clerk. The courts filed the release on XX/XX/2018 and the court sent the money to XXXX XXXX. I called again and requested one of my 2 payments be returned at which they replied ; they have not received it. I understand the need to collect a debt, but no one should be allowed to hold your money indefinitly just because they want too, if that were the consumer we would be required to pay interest. This is an unfair practice and should be looked at by government officials. The average working person could lose thier home, car, or anything with the loss of that income for months and who knows how much longer. Consumers deserve to be protected from this type of business practices.