davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (VA)

I noticed a large transaction on my account which I called DirectExpress about and made a claim for {$720.00}. The customer service rep noticed another transaction from the same merchant ( XXXX ) for {$180.00}. The customer service rep told me that my card would be canceled and a new card would be sent out. In the meantime I could not get into my account while waiting on my new card. When my card arrived I was able to access my account and found three more unauthorized transactions, 2 from XXXX XXXX, and 1 from XXXX XXXX, Totaling {$99.00}. Neither of the 3 merchants have I ever ordered or dealt with before. 
After a few days I called to follow up and was told that my paperwork was not complete. I redid my paperwork, followed up a couple of days later, was told that my paperwork was complete. I informed the customer service rep that I really needed my account to be credited because I had bills that needs to be paid, especially my mortgage and I would really appreciate if I could receive funds credited to my account. I was told by the customer service rep that they would note my account so the investigators would consider crediting my account. I followed up two days later and was told my claims were denied, and they could not give me a reason why I would have to wait on the paperwork to come through the mail. The reason given was I had given authorization to the hackers to use my card, which is ludicrous. Come to find out they have one merchant listed on my first claim that I use frequently and they used that one merchant to decide to deny both claims. If they had looked at ( MY ) paperwork, they would have seen that I only have listed the one merchant ( XXXX ) which had two transactions and on the other claims I have three transactions, XXXX from XXXX, XXXX from XXXX XXXX, which Ive never ordered from. But they used this one merchant ( XXXX XXXX XXXX ), which I use frequently, that should NOT have been put on claim list, And made a total denial determination on both my claims. Only if they had truthfully done an investigation, looked at MY paperwork, they wouldve seen the transactions that I was claiming. But they did not! It makes me wonder how many other veterans or senior citizens or anyone are getting XXXX by DirectExpress. Its disheartening to know that a big company like this is contracted by the federal government is treating veterans and others in this manner. Its sickening!
Consumer complaint received 2019-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc. (GA)

The company ARA ( XXXX XXXX XXXX ) contacted me repeatedly and my parents repeatedly in a 2 day time period starting on XX/XX/XXXX. The first person to contact me was XXXX XXXX XXXX * XXXX. He left multiple messages on my phone and my parents phone. He claimed he was trying to collect a debt from XXXX from the year XX/XX/XXXX. He said that the last activity on the debt was XX/XX/XXXX and that because the bank put the debt on hold due to the government bailout and now he was coming back to collect the debt. I asked him if he could do that and he said yes and if I didnt pay he was going to report it to all three credit bureaus. I told him I filed chapter XXXX bankruptcy and he said that didnt matter and he was going to do whatever was necessary to collect the debt including garnishing my wages. He said since I have repaired my credit now that when he did report it to all three agencies it would ruin it again. I asked to speak with his supervisor and thats when he let me speak with XXXX XXXX. XXXX XXXX said the same things including ruining my credit, garnishing my wages, said he was happy to call my parents to see if they could pay the debt for me. He said a debt is a debt and they can come and collect at anytime until I die.
Consumer complaint received 2020-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

I filed a previous complaint and fed loan closed it out but the issue is not resolved. 

Can you please provide documentation for the administrative forbearance from XX/XX/XXXX-XX/XX/XXXX, the reduced payment forbearance from XX/XX/XXXX-XX/XX/XXXX that you noted in the payment history. Also, will I get Qualifying payment credit for the National emergency forbearance from XX/XX/XXXX-XX/XX/XXXX due to the pandemic. I still maintain I have made more than 87 qualifying payments and payments are missing from XX/XX/XXXX to XX/XX/XXXX and I have provided banking information to support this. My employer sent you employer certification forms reflecting this. Also, I have requested electronic confirmation to support that fed loan sent my information to federal student aid Department of education for review for the temporary expansion forgiveness program which is a finite program. I have made more than 120 qualifying payments. Time is of the essence. Thank you so much for your help.
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (VA)

On XX/XX/2018, I had apply with a loan with XXXX XXXX through a mail advertisement of being preapproved for up to {$4000.00} on an installment loan. I applied on their website at XXXX and was approved for {$850.00} credit limit with a 360.00 % interest rate. I had every intention to pay this loan in full within 28 days because I did not want to pay on this high interest loan. I was dealing with a hardship after being out of work and receiving treatments for a XXXX  XXXX. Due to this hardship there were a number of occasions where I had to change the due date for a later date. To date XXXX XXXX debited my account {$790.00}. XXXX XXXX increase my credit limit with an additional {$150.00} which I have no intention of using and I still have a balance due of {$790.00}. If I was able to pay off this balance today the amount that XXXX XXXX would receive from me is {$1500.00} for a {$850.00} loan
Consumer complaint received 2018-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX is an account that is on my credit report and is not mine. I dont feel Ive gotten a proper investigation and cant get a good reinvestigation of this item.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

This company is illegally reporting on my credit that i owe on a debt that i do not owe. The property management company they are claiming i owe money are all currently in jail for Fraud and for illegally charging fees. My dad and i were one of those victims. My dad filed a complaint with the State Attorneys office about this Exact account. Magically the debt WE DO NOT OWE was removed from all his credit reports. It was also removed from 2 of mine. But they are still reporting on XXXX  credit bureau that i still owe this debt and i do NOT.
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (PA)

Around XX/XX/2018 my car was repossessed by American Credit Acceptance. I fully admit that. The problem is with the amount they claim i owe. I never got any letters from them after they took my car. I never got a deficiency letter stating how much i owed after they sold the vehicle.. On my credit report they have changed the alleged amount owed every month for thee past 4 months. I have been disputing the account with all 3 credit bureaus and every month my credit reports show a different amount owed. This is illegal and a violation of the FCRA. They have also violated the UCC
Consumer complaint received 2019-01-29
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 — Problem with personal statement of dispute
Company: CarMax, Inc. (GA)

This inquiry was made on XX/XX/2018 when trying to purchase a vehicle at Carmax-XXXX. I wrote a letter asking to have the inquiry removed because no loan was secured and no purchase was made.
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (CA)

I was pre-approved, signed documents, and picked up a payment voucher for an interest rate of XXXX for 60 months with Navy Federal Credit Union for a new automotive purchase up to {$35000.00}. The pre-approval did not specifically state it had to be a car. After I purchased the motorcycle, I got the finalized loan documents stating my interest rate now jumped from 2.69 % to 8.90 % for a loan amount of {$27000.00} and my monthly payment jumped from a little over {$400.00} a month to {$580.00} even though my documents show 2.69 % and I did not agree to or sign any paperwork for 8.90 %. 

I called Navy Federal and they stated since I bought a motorcycle and not a car the 8.90 % was the best they could give me. Now I am stuck with a loan at a higher percentage with a monthly amount that I can't afford and I can not return the motorcycle to the dealership. This puts me in financial hardship that I did not create myself. 

This is very misleading and fraudulent behavior from the credit union to provide you approval and have you sign documents agreeing to a lower percentage then later having you involuntarily commit to paying a significantly higher interest rate for their profit.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BK OF AMER with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never been late.
Consumer complaint received 2022-09-01
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2018 the company account resolution services contacted me about a debt that is not mine for {$1600.00} I have no clue about this debt and would like it to be took it off my credit score
Consumer complaint received 2022-09-01
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: CITIBANK, N.A. (MD)

This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, Citibank , N.A . I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, Citibank, N.A has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that Citibank, N.A willfully failed to comply with 15 USC 1681s-2 ( b ). Citibank, N.A must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Citibank, N.A, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (TX)

Although this account is paid in full ( confirmation via email dated XX/XX/XXXX ), I received a copy of an email dated XX/XX/XXXX from XXXX addressed to XXXX stating that they were to proceed with a debt recovery case against me in the amount of {$1100.00}. Not only is this account paid in full, it exceeds the statute of limitations. I'm tired of these scammers getting away with this and I've had enough.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TIDEWATER FINANCE COMPANY, INC. (NV)

XX/XX/XXXX XXXX XXXX XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing.

Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days.

From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX XXXX XXXX ) and they could not release information because some of the information did not match what I what information I had.

However, they still put a Hard Inquiry on my XXXX, and XXXX  credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time.

As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

The company is Capital One/Kohls The amount is {$140.00} for the bill due, was paid by EFT from my XXXX XXXX XXXX Account on XX/XX/18 The amount was paid in full immediately, upon my being informed that it was delinquent The account was reported 30 or 60 days past due when in fact, the amount was paid before that time period The representative on the phone informed me that there would be no impact to my credit score I was never informed, at *any time* by US Postal that a balance was due. I conveyed that to the representative on the phone, when I promptly resolved the issue
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, 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. (FL)

Transunion credit bureau is not reporting 5 credit card accounts on my credit report. 

They are : XXXX XXXX XXXX XXXX XXXX Credit Card. 
XXXX XXXX XXXX XXXX XXXX XXXX Mastercard. 
XXXX XXXX  XXXX XXXX VISA credit card. 
XXXX XXXX XXXX XXXX credit card mastercard last 4 digits : XXXX. 
XXXX XXXX credit card. 

All of these credit card accounts are open and in good standing.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I spoke with my Wells Fargo mortgage specialist, I told them that I was running out savings and would struggling to pay my XX/XX/XXXX mortgage payment. I indicated I was interviewing for a new job and I expected to be caught up in XX/XX/XXXX and asked if that was ok. They said that would not be problem. I asked if my credit report would be negatively impacted and they said no it would not. 

My interview for a new job went well, I received an offer on XX/XX/XXXX and start my first day XX/XX/XXXX. I will be able to pay all my debts in three weeks. 

However, on XX/XX/XXXX, I received email notification from XXXX  of a negative credit report filling by Wells Fargo, I have paid my mortgage for 15 years. I called Wells Fargo back and they said they did no agree with my XX/XX/XXXX call. They also filed a XX/XX/XXXX negative credit report.
Consumer complaint received 2023-01-26
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. (FL)

On XXXX XXXX and multiple banks like XXXXXXXX XXXX score powered by XXXX XXXX XXXX XXXX XXXX  all say i have scores in the XXXX to XXXX for years. I paid 100 % on time payments since I was a XXXX XXXX XXXX kid and paid 100 % on time for over a decade as one brought up in a low income minority. My credit use is XXXX % now. i took pics that show a bit higher but still in the green. XXXX derogatory marks, over 20 accounts, and only 1 hard inquiry from like 2 years ago. and 4 year average which is only 10 % of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has 80 % payment history over 30 late payments. a 96 % is lowest red. He got 80 %! 60 % card usage vs my XXXX %. a {$2000.00} credit limit vs my near {$50000.00}. only 10 accounts vs my XXXX. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and credit karma while having 100 % marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over 30 late payments and over 60 % usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. 98 % 3 hard inquiries 3 greens, 3 yellows has almost XXXX SCORE! I have 5 greens, and 1 partial red 4 year average only 10 % of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the 35 % 30 % formulas I should be easily over XXXX especially if a 98 % history with 3 hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.
Consumer complaint received 2019-01-29
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: CL Holdings LLC (MI)

I have disputed an inaccurate account from XXXX XXXX XXXX XXXX for {$1300.00} ( 3 times ) since XX/XX/XXXX.  This is an inaccurate account. I do not owe this company.