davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

In XX/XX/2018 I sent in paperwork to recertify my IBR Payment Plan. 
In XX/XX/2018 I was rejected because my income had risen too high. 
In XX/XX/2018 I resubmitted for a new payment plan that I did qualify for ( ICR ). 
In XX/XX/2018 they charged me with {$4000.00} worth of interest capitalization because I changed plan types. 

I changed plan types because I had NO CHOICE. Also the process to getting there was driven by what I was told and advised at FedLoan Servicing. They are essentially penalizing me for being forced to change plans and for being more successful? It is WRONG. That should NOT happen. I pay my loans on time and consistently. There is no reason I should be penalized with {$4000.00} of interest for a choice out of my hands and because I have worked hard to make more money so I can build a life and have a family.
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (NC)

My wife received a phone call from a " BB & T Fraud Specialist '' to address a recent attempted charge in Florida. They addressed her by her legal name and had her phone number ( in order to call her ). They called from a legitimate BB & T Customer Support phone number. My wife denied this attempted charge and the individual stated that since there seemed to be fraudulent activity then he wanted to go over recent charges. He stated various recent charges that were completed through our checking account by either myself or my wife as we have a joint checking/savings account. We found out later that this was a spoofed call and that this was not BB & T. However, as they had personal information regarding my wife and our checking account, we believe this is an internal hacking at BB & T. As a result, we have both changed our phone numbers, multiple passwords associated with various online accounts, and have closed the compromised accounts with BB & T and subsequently opened new ones.
Consumer complaint received 2016-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (IA)

I paid this bill with another collection agency at the beginning of the year. I have called thus company 3 times telling them I have paid this bill. They told me the first time I called which was soon after I paid it that it takes a while to get it off the credit report. The second time I called was a couple months ago and I was told it should be off soon and give it another 45 days. The third time I called which was today ( XXXX/XXXX/16 ) they said they do not know why it is still on there and they can not do anything about it and to contact the credit bureau.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (RI)

On XX/XX/XXXX I signed a Business Loan and Security Agreement for {$51000.00} with American Express on behalf of XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. as Company President. I asked repeatedly if I was signing personally and every time I was assured that I was not On XX/XX/XXXX I received a notice from XXXX stating they had charged off the balance and I was a co-signor on the account and I am not. I never signed a personal guarantee or submitted any credit information, especially not my social security number. How did they get it? 

Amex never once tried to collect the balance from me personally. 
The borrower is clearly the corporation with no reference to me personally. They back doored me on page 12 but not on page 16. 

I disputed the tradeline with XXXX but I was notified it was not being removed. 

Was a privacy law violated as a result of them using my social security number without my permission?
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX, Experian, and XXXX continue to report these XXXX XXXX accounts incorrectly. The application acts as the security do I can not be late or owe a collection when the interest of the account settles all balances. The credit bureaus are violating federal law by reporting this information when it is not accurate. XXXX, Experian, and XXXX are paid to furnish consumer information but you need the consumers written or expressed consent to provide this information. I have given no such consent to use my information to report negative information about me to damage my character and prevent me from obtaining credit that is my right. Produce any document with my signature that states I give you permission to use my name.
Consumer complaint received 2023-05-08
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. (TX)

On XX/XX/XXXX  I sent letter to credit Bureau XXXX, Trans Union, And XXXX By LAW My name is XXXX XXXX XXXX on there Report states XXXX XXXX XXXX That is not my Legal Name they refuse to remove from my report also XXXX XXXX XXXX XXXX XXXX refuses by law to remove the false information on my report They have no proof these accounts belong to me and two accounts that are vehicles that I do not pocess please assist me in this matter
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (VA)

I have two different complaints First of all, with the exception of the {$550.00} being worked my Midland ( more on them below ), every one of the balances showing on my report HAS BEEN PAID IN FULL I know that you will claim that my score will be upgraded soon .... but that does not change the fact that what is being reported is outdated and inaccurate! 
My second problem is that Midland is claiming that my account has not been updated meaning of course that they are hoping to bleed more $ $ from me which aint gon na happen Could you help in that area?
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I have a Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX Dept of edXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  ]. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship.

3. Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4.Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information.

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

On or about XX/XX/XXXX I filed a complaint against my XXXX & XXXX credit card. The statements had incorrect info on them-causing me to miss the chance to enter a payment plan w them. They responded to complaint w an apology & offered to help me get into a payment plan. After MONTHS of them trying to figure out the right person of contact & getting my account out of a 3rd party collection, they set me up w a payment plan. I was told that I could make payments in the store. On several occasions, when going into the store or calling the payment in-the representative was unable to locate my acct & could not take my payment. I emailed XXXX XXXX to inform her & she directed me to contact another dept. I was then able to make my payment. However, once again in XXXX/XXXX I was unable to make my payment. The account could not be located. I tried the number I was given by XXXX XXXX, but it was not a working number. I tried calling another dept, & emailing asking for help. I sent in 2 payments, via mail. The payments were never processed. I have tried calling to correct the problem so many times. But I have not been able to speak with someone who can locate my account information. I have now been receiving letters and calls from collection companies, threatening to report me.
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

I have an checking and savings account with USSA. My brother and I have a joint checking account, but separate car insurance policies. Ussa completed a ACH of {$170.00} from my checking account to pay my brothers car insurance without my permission. I spoke with Ussa customer service on XX/XX/2017 and they would not give me specific information about whom authorized with ACH of {$170.00} from my check account and where this {$170.00} was applied to. I pay my car insurance of {$58.00} each month from my checking account. I was on the phone with Ussa supervisor for more than an hour without getting detailed information about this transaction. I spoke with my brother and he stated that he did not authorize Ussa to completed any ACH transaction from my checking or savings account. Ussa stated that I could not sign a fraud letter due to my brother being on my checking account as the secondary on the account.
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (NC)

I received a phone call from a " BB & T Fraud Specialist '' from the phone number associated with BB & T Customer Support. This individual called me by my appropriate name and stated there was suspected fraudulent activity on my account. They stated an attempted charge which I didn't attempt which I responded " no '' to attempting. After this they repeated back to me various charges which my husband and I had completed with our checking account. I found out later that this was a spoof call, despite coming from a legitimate BB & T phone number. As they had personal information such as my name, phone number, and recent legitimate charges, I believe that this was an internal hack at BB & T resulting in the spam/fraud of my person. When changing account information at a BB & T branch location, they also mentioned that at least 6 other consumers came into that branch with the same issue. 

As a result, I have changed my phone number, opened a new email account, have changed all passwords associated with various online accounts, and closed/opened a new checking/savings account with BB & T.
Consumer complaint received 2019-06-13
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Home Mortgage, LLC (TX)

From XX/XX/XXXX to XX/XX/XXXX the mortgage company is showing my payments as 90+ past due on my credit report with XXXX, XXXX, XXXX. I have not been 90+ past due and have made all of my payments on time for the time period of XX/XX/XXXX to XX/XX/XXXX. 

We are in the process of buying a home and these late payments they are showing is preventing us from being approved.
Consumer complaint received 2019-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I was a victim of blatant predatory lending by Credit Acceptance Corporation. They charged me 22.99 % interest for a car loan, which is very high but due to my less than ideal credit and not understanding the contract I signed. Later while working with a Financial Coach at a non-profit we looked at my loan and vehicle. He pulled the XXXX value on the vehicle and we found that the vehicle with a clean retail is only worth {$5700.00}. I paid {$9100.00} for the vehicle and by the time the loan is paid I will have paid {$19000.00}. A lender should not give a secured loan for a vehicle to a customer with less than perfect credit ( or anyone ) with almost a 160 % LTV. The whole transaction is predatory but the aspect of the lender giving a loan for 160 % of what the vehicle is worth is the aspect that seems completely unlawful and undeniably predatory.The loan was signed in XX/XX/XXXX, and we pulled the XXXX value ( bluebook value ) on XX/XX/XXXX only 6 months later. The car would not have depreciated in value very much in those 6-months, especially with an already older vehicle. We used the millage of the car when it was bought in XX/XX/XXXX.
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc. (TX)

I wrote Prosper Marketplace on XX/XX/2019 via Certified Mail for them to contact XXXX XXXX XXXXf concerning my loan payments. I also told them to it when I answered the phone on XX/XX/XXXX. However they called me from telephone number XXXX three times on XX/XX/XXXX and four times today.
Consumer complaint received 2023-07-12
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. (NC)

In accordance with the fair Reporting Act The list of accounts below has violated my friendly protection consumer rights to privacy and confidentiality a person may not furnish any information related to Consumer to any consumer report of agency XXXX XXXX XXXX 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 2023-05-08
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Contacted Portfolio Recovery for validation of debt due to being sued by them for debt, all that I was sent was a letter stating the date they bought the debt and from who they bought it from with a copy of a billing statement. In the letter that was sent to them I asked to for proper validation such as signatures and a legal binding contract with their company and that was not provided to me.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On Saturday XX/XX/XXXX I got a email notification from XXXX XXXX that my score went up due to the removal of false payment information that I had disputed regarding a car loan from XXXX XXXX way back in XXXX that I do not owe monies on any longer.. I will be happy to screen shot the email as proof because I still have it in my inbox. However, on today XX/XX/XXXX the company has fraudulently reported that I am behind in payments which makes no sense because I dont even have a car loan with them anymore and paid the car off more than 7 years ago. XXXX XXXX continues to fraudulently report that I owe an amount that I do not owe. What they are doing is not only unethical but illegal. The account was opened for a car loan in XXXX. The car was paid off in XXXX yet they continue to harass me and lie on me stating that I owe monies and am behind on payments when I have had to make a car payment to them in years. This is really crazy! They only do this when I report to the credit bureau that I do not owe this amount. I would like for XXXX XXXX to quit lying and reporting false information to the credit bureaus. and take the false information off of my credit report.. I dont see how this company is allowed to get away with this fraudulent behavior. I would like this payment immediate removed off of all three credit bureau reports because I do not owe them any money and have not had a car payment from them in over 7 years.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX, I opened a Best Buy Visa to make a purchase online. The item I received was returned on XX/XX/XXXX at their XXXX XXXX, PA store. When returning the item, I told the clerk that I hadn't received my credit card yet but asked if I would still be able to make a purchase and he informed me as long as I had my ID, I would be able to make a purchase. I attempted to buy a cell phone, and at the end of the transaction, the young woman who was checking me out had to call the credit card company. After answering all their questions to verify who I was, they would not allow me to use the credit card until the bank got a hold of me through a phone call that would take about 48 hours. I never received any phone call. Today XX/XX/XXXX, I received my credit card in the mail. I called the number on the card and talked to a man named XXXX after XXXX XXXX. He informed me that the card could not be activated until the bank got a hold of me. I explained to him what happened at the store and that the bank had never gotten a hold of me. I told him just to cancel the card, and he said he is unable to cancel it till I receive information from the bank. I then said I would like to talk to the bank and he informs me he is from the bank. I asked to speak to a supervisor, and he puts me on hold. He comes off of hold and unfortunately, tells me there is no one to talk to right now and to call back in an hour. I do not understand what their problem is, but this cost them a sell at the store level, and they now have a very frustrated customer. Please help us solve this issue. 
Thank you, XXXX XXXX
Consumer complaint received 2022-07-20
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. (OH)

These following hard inquires show on report and are not mine. I called In twice on this issue and they still show on report. 
XXXX. XXXX XXXX XX/XX/22 XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XXXX XXXXXXXX XX/XX/22 All above should be removed
Consumer complaint received 2023-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have mailed out dispute letter to you guys with two forms of documentation and you guys always send a letter saying you need an ID. I purposely put my two forms of identification and the front to make sure it is seen. I have wasted a lot of money not to mentioned that my credit has been at risk from fraudulent accounts and unauthorized inquires. Could I please dispute the following as these account are not mine and these inquires were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I sent letter to credit Bureau Experian, XXXX XXXX, And XXXX By LAW My name is XXXX XXXX XXXX on there Report states XXXX XXXX XXXX That is not my Legal Name they refuse to remove from my report also XXXX XXXX XXXX XXXX XXXX  refuses by law to remove the false information on my report They have no proof these accounts belong to me and two accounts that are vehicles that I do not pocess please assist me in this matter
Consumer complaint received 2020-06-06
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mercedes Benz Financial Services (TX)

On XX/XX/XXXX be vile was in a car accident XXXX seemed a total loss and informed Mercedes Benz that they wore going to pay out the beguile in XX/XX/XXXX they only sent amount of XXXX which Mercedes processed and the date was showing next due date was XX/XX/XXXX and stating when I pulled my credit today XX/XX/XXXX showing it was negative as a charged off when clearly the other party was at fault. Nor has Mercedes Benz or XXXX have made any contact with me since they recieved payment nor to inform me the charge of account as well