davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (GA)

XX/XX/2023 I recently noticed fraudulent charges on my Avant Credit Card totalling over {$700.00} only due to my BALANCE DUE reflecting the charge vs my last statement balance of {$89.00} just a few days ago. The transaction history for my account does not show any transactions since XX/XX/2023 ( my payment of {$220.00} ). 

I have tried multiple times to resolve the issue with Avant Finance, however, each call has been disconnected by the representative after they confirm that they also can not see any new charges, but each refuse to escalate my calls to a supervisor or correct the balance to reflect the accurate amount. 

I have not received a call or any correspondence from anyone in follow up to my repeated calls. 

My account balance with Avant should now be {$16.00} as I made a payment of {$73.00} tonight. 

Avant has recently been fined for fraudulent practices including adding fees and charges to customer accounts and failing to credit payments. I am afraid they are at it again. Please help me to get this issue resolved.
Consumer complaint received 2021-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

When attending XXXX school I took out both federal ( with both subsidized and unsubsidized portions ) and private loans with Sallie Mae. At some point Sallie Mae sold my loans to Navient who is currently still my loan servicer. During the Covid-19 emergency it was announced that loans owned by the department of education would not accrue any interest. To my surprise my federal loans have been steadily collecting 4.5 % interests. Because I am on an income-based-repayment plan and every year I re-certify through the department of education, I continued being under the assumption that the department of education owns my federal loans. However when I called Navient they told me that my loans are charging me interest because they are not owned by the department of education and they are commercially-owned. When I ask for explanation they refer me to the department of education but the department of education keeps referring me back to the loan servicer, navient. Navient claims they were always commercially owned. Navient is also telling me that I will not be eligible for loan forgiveness till XXXX although my loans were first disbursed in XXXX. I'm entitled to an explanation. Why and when did my federally-owned loans become commercially-owned and why? Although I'm not fully employed and my income-based-repayment amount is XXXX, I've been making consistent payments of {$200.00} to cover the interest rate. I think I'm at the very least entitled to an explanation.
Consumer complaint received 2021-02-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (NJ)

About 11 years ago I owed about {$68000.00} in student loans as went threw a divorce I had to use deferment options because I wasn't able to pay. I never went into default and used options to lower my payments but because of payment reductions and for forbearance 's over the years my balance is now over {$300000.00} dollars with interest and fees. My employment status has changed in the past 3 years and I am now able to make payments. I can't afford the standard payment amount on that kind of money nor will I ever be able to pay that back. I offered to sell my home and give all of the money made which would only be about {$40000.00} and find a way to pay the difference of {$28000.00} from the original amount to them but they said they can't settle the loan for a lower amount. because of what the loan was increased to i was turned down for a mortgage and do not qualify to make any significant purchases. My fiance and I was looking to purchase a home together but I don't qualify because of a {$300000.00} debt. I am upset that the only reason that I can't move ahead in life is because of a student loan balance on my credit report. If I defaulted on it is one thing but because of the interest and fees my life is at a standstill. What can I do to resolve this issue?? Thank You!!
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

I have a collections account in the amount of {$1600.00} from XXXX XXXX. I have no recollection about this account nor have I ever had a account with XXXX XXXX or ever purchased any electronics or wireless devices from XXXX. I have brrn a loyal member with XXXX XXXX for over 7 to 10 years. I have been a victim of identity theft and fraud and my information has been reported to the FTC.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A student loan that isn't my is on record with the Department of Education, and my credit report. It was determined that The loan was a mistake or someone used my numbers to secure a loan. 
The XXXX XXXX Department was suppose to send me paperwork clearing my record of this loan. It was never received. Whenever I inquire about the matter by call, they say they will call back or send paperwork. I've gotten either. 
Please assist me in getting this loan removed from. My record and my credit report. 
Thank you, XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2023-04-10
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Hello. Citi bank has stolen my money and is refusing to discuss the matter with me. This situation began back in XXXX of XXXX On XX/XX/2022, Citi bank suddenly marked my checking account for closure without providing any explanation other than the bland email that was sent to me. I called numerous times to get an explanation and to retrieve the money that was in my account at the time of closure, but I received awful customer support. There was {$4700.00} in my account at the time of closure. In addition, on XX/XX/XXXX, prior to me receiving notification of the closure, I had some of my money transferred to my Citi checking account via 2 entities, XXXX and XXXX.These deposits amounted to {$4700.00} and had fully processed after my account has been marked for closure. After a gruesome 2 months of constant perseverance, on XX/XX/XXXX, Citi finally agreed to send me the INITIAL {$4700.00} that was in my account. Mind you, this was after Citi bank had adamantly claimed that the money in my account was not mine, which of course is false. In XXXX, I received a call from an analyst who said my money in the account at the time of closure would be getting sent back via a check, but not the other funds that were sent to me. I asked about the other funds, to which she said that it was returned to the sender. This was a lie as proven by the email I received on XX/XX/XXXX which states, " The additional funds that were in the account at the time of closeout all were in the name of third parties. We are unable to return any third-party funds ''. Citi bank has my money and has not returned it. Surely a bank customer can be the rightful owner of deposited funds without his/her name because in the memo of the deposit. I reached out to the senders numerous times and have found out that nothing was sent back. Once again Citi bank has lied to me. I called Citi to get this matter addressed once again, but the representatives in the Citi bank XXXX response unit have proven to me misleading, deceptive, and wholly untruthful with me in our dealings thus far. Furthermore, they have not been returning my calls and are refusing to communicate with me about this matter, despite them having MY money. I am hoping that will change. It is of my belief, based on their treatment, that Citi bank is discriminating against me on the basis of my age, ethnicity, or race, or the any combination of those factors. The blatant disregard that they have displayed towards me is unjustified, right along with the complete refusal to return my money to me. If this goes on without being addressed to a higher authority, I believe Citi will subject many of their other customers to this unfair and cruel treatment, which Is why I refuse to let my concerns fall on deaf ears. I will continue to persevere until Citi bank returns my money to me!
Consumer complaint received 2023-04-10
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX XXXX XXXX credit card account. I called to close the account in XX/XX/XXXX. Without any notice to me, XXXX XXXX XXXX charged an additional {$23.00} to the account and did not close the account. 

Because I had no notice, XXXX XXXX XXXX listed the account as unpaid and in XX/XX/XXXX reported it on my credit report. I attempted to resolve their error but was rebuffed.
Consumer complaint received 2019-06-26
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: EQUIFAX, INC. (TN)

Equifax ; XXXX and XXXX  are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

In XXXX of XXXX, I did a balance transfer from XXXX to XXXX XXXX XXXX XXXX visa ). That payment was accepted and cashed. I believe at the time there was transfer by XXXX XXXX from Synchrony to XXXX. However, payments to Synchrony were still being sent to the address that they had listed. 
After 2 months the balance transfer was still not showing. So I created another balance transfer at this time. A month later, I called Synchrony to find why my account was still showing a balance. I was able to clear up the confusion in XXXX of XXXX. Although, in XXXX of XXXX the correction that was cleared up. A new balance on my credit report as well as new statements from Synchrony were being sent to me. 
Harassment from Synchrony has persisted since early XXXX.
Consumer complaint received 2023-10-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (TX)

On my credit report, they keep on reporting it as a new debt It was filed again in XX/XX/XXXX as a new debt was already reported in XXXX and they keep on refunding it like its a new debt thats got to be illegal. Affecting my credit in a negative way.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (OR)

I sent a prior complaint ( XXXX ), which was based on info that Amex gave me about plans. Amex followed up with me and told me the person gave me incorrect information and payments are NOT applied to interest-free plans first, so that complaint should be closed. I still knew the interest was wrong, so I looked into it further. I have tried repeatedly to explain the issue to them by chat, but they just keep telling me they will send me info on how interest is calculated. I am a XXXX XXXX and understand interest - that isn't the problem. 

I am repeatedly told that the interest is being computed on my average daily balance back into the " interest free '' period. I have attached my XX/XX/XXXX statement, which shows that interest-free promotion, from XX/XX/XXXX to XX/XX/XXXX, with an outstanding balance of {$0.00}. You can also see that my non-plan total balance was {$0.00}. Plan balances do not incur interest, as long as the monthly amount due is paid, which mine was. 

I made new charges on my card that posted to my XX/XX/XXXX statement, which totaled {$1700.00}, with an average daily balance of {$1500.00}. The minimum payment was made instead of adjusted balance in error ( by me ). However, American Express showed an average daily balance of {$7300.00}, " from '' XX/XX/XXXX and charged me {$160.00} in interest. 

This is clearly not correct and there is no possible way that I had an average daily non-plan balance of {$7300.00} in a month when I only made {$1700.00} in new charges. I have attached a spreadsheet that very clearly lays out my payments, net balance, and new charges. I have contacted American Express about this and spoken with 4 different people who continue to insist that the interest is correct, try to explain how interest works to me, offer to send a letter explaining interest, etc. They don't seem to understand that there is a systemic error that is showing an average balance that did NOT exist in statement period and a " from '' date that is also wrong. This issue was compounded on my XX/XX/XXXX statement with another {$200.00} interest charge, again showing an aging " daily average '' balance that is incorrect.
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Brett M. Borland, P.C. (GA)

I never received a written or emailed request for payment of any delinquent balances before the debt was reported on my credit. When turning in my keys, I completed a form that lists my new address, and XXXX XXXX XXXX already had my email address and phone number. I am requesting that XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, have the above-named item removed from all three credit bureaus. On XX/XX/22, when the debt was first reported on my credit, I phoned XXXX XXXX XXXX and spoke with XXXX to ask why they reported a debt on my credit. I find it odd that she immediately knew who I was once I described the situation. She asked, is this XXXXXXXX When I verified that I was, she stated that they were aware of the situation, she would have XXXX or XXXX, the managers, return my call as only a manager would be able to assist me. To this day, no one from XXXX XXXX XXXX or XXXX XXXX XXXX has spoken with me to explain this debt. I sent a dispute to XXXX and was told the debt was validated. I sent a dispute letter to the law firm explaining the issues and was told the debt is valid.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Southwest Business Corporation (TX)

We sold our home mortgaged through XXXX in XX/XX/2016. On XX/XX/2016 a refund of our escrow account was mailed to our old address. Apparently the refund check was deposited by unknown person on XX/XX/XXXX. We have been trying for several months to obtain a copy of this check in order to file a police report and start the process of actually receiving a refund. The mortgage company customer service department has given us excuse after excuse or flat out not told us the truth about the missing check or where the copy of said check is. We were last told it was mailed certified to our new address on XX/XX/XXXX. It is now XX/XX/XXXX and we still have not received this. We are respectfully requesting assistance to find out what happened to this refund and to obtain the refund due us.
Consumer complaint received 2015-11-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stallings Financial Group, Inc. (GA)

Apparently I owed a medical debt that just popped up on my credit report. The debt was for {$130.00}. It dropped my score dramatically, I contacted the collections agency and the debt was paid but they stated they do not remove items from credit reports. I did not receive proper notification that this debt was going into collections or that I owed any money. No one called or sent anything in the mail to let me know I had a debt to be paid. I just happened to check my credit report and noticed it there. Can you please help me get this removed? I am trying to purchase a home for my family and this is effecting my ability to be approved at this time.
Consumer complaint received 2023-07-18
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: United PanAm Financial Corp. (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.