davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC (SC)

For my account, there is NO account information about my loan -- payments, when they are due, how much I currrently owe, etc. 
When I log in to my account, this is what I see : Loan number, application date, effective date, loan status, final due date, original loan amount and view documents. 
When I click on " view documents '' it is only the documents I received about the loan. 

I have to call to get my loan balance. 
THE PROBLEM : everytime my balance reflects I'm almost " paid in full '', the balance goes up. I only borrowed {$950.00}. I understand that I pay dearly to borrow b/c of the costs they must make. 

Since my first payment XX/XX/2019 of {$380.00} monthly, I've paid {$2300.00} as of today. I've basically given them over {$1500.00} as of today. That is way too much overage for the company to be making off of people that are already struggling with bills, etc. 

Fair is fair ... 

However, borrowers should have access to vital information for their account -- I should not have to call the company. For all my other bills, I know exactly what I owe, when it is due, etc. NONE of this information is provided because then we can't track how much they are really charging us. 

Again, Fair is fair ... .Yes, I know I have to pay ALOT for borrowing, BUT now you are taking extra payments which is NOT fair. 

Thank you.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IL)

I opened a new acct with Synchrony Bank a Lowes Store card and was approved for the card. A few days after being approved and setting up my online acct in order to pay the bills, I called into Synchrony bank in order to ask a simple question about the promo interest rate on my Lowes card I was told my card was locked and cant be used because a packet was sent out to me and I needed to handle that first. 

After waiting 2 weeks I finally received the packet and it was a request to fill out a form giving my permission to a 3rd party to contact the social security Dept top verify my Social Security number.

I called into to speak with someone at Synchrony Bank and was told if I don't fill out the form and give permission to this 3rd party my acct would be closed within 30 days.

This seems nuts to me I have plenty of credit cards and this has never happened before and I don't feel comfortable giving permission to a 3rd party to obtain my private SS info and don't trust them with my Social Security number.

I chose to do business with Synchrony Bank not this random 3rd party.

I told them I have no issue sending them a copy of my ss card or taking into one of their banks or stores to verify.

Can you help me please!!

I want to keep this acct open, BUT with all the recent data breaches going on I don't feel comfortable giving their 3rd party permission to obtain my SS info
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Asked TransUnion and XXXX to research a collection on my credit report from XXXX XXXX. This investigation was closed on XX/XX/2019 stating that the amount was still owed when infact it was paid in full on XX/XX/2019. I asked for it to be removed from my credit report and nothing has been done to remove it and to update my file. This collection is hurting my credit score and I would greatly appreciate it being taken off.
Consumer complaint received 2019-04-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

In XX/XX/XXXX I returned a car that I leased from XXXX XXXX in XX/XX/XXXX to lease from a different car manufacturer and was under the impression I owed nothing else. Prior to leasing my new vehicle, I called Kia Motors Finance to get the remaining balance due on my car so the dealership could pay off the active amount due. I was given the amount of {$1000.00} and that amount was paid by XXXX XXXX XXXX and from there assumed the car was paid off in full. 
Seven months later, XXXX XXXX, I received a letter in the mail from KIA stating that I am being put into collections due to a balance that is owed on the car. I called the customer service line at Kia   Motors Finance and asked for a brief explanation on the balance and was told that it was due to the lease end balance that was owed on the vehicle, items like wear and tear etc. Kia states they mailed a bill to me in XX/XX/XXXX, however that bill was never received and I lived my life thinking nothing was due. Also, upon speaking with the representative at Kia, I was informed that they only submit a Bill once to the consumer and if there is no response to it Kia does not submit any other letters or phone calls asking for payment. I paid the amount due from Kia after I requested to have the bill sent to me to review. They did send it but with this being the first time I saw it the damage was already done on my credit report. 
I paid the balance to prevent myself from being sent to collections ; however my account with Kia Motors Finance remains sitting on my credit report as greater than 90 days late and will remain until XXXX per my free credit report paperwork. Since I never received the initial letter I am asking to have my credit report be back dated to when Kia claims they mailed the initial letter in XX/XX/XXXX. I have never missed a car payment with Kia and my credit report supports that. This situation is most likely due to an error/issue with the lease end and I would hope that my positive credit report with Kia could help support my claim. 
I contacted the attorney general regarding this issue after filing multiple credit report appeals with XXXX  with no budge from Kia Motors Finance. They opened up a case file for me in XX/XX/XXXX and have been working diligently to help correct my credit report. Kia motors finance will not budge and as recent as XX/XX/XXXX they claim that my dispute with them is " inaccurate ''. I firmly believe that I was never late on any payments as I would have called and paid the claim as soon as I would have received the bill. The attorney general from XXXX, NY states that they can no longer assist me with mediation on this issue and suggested that I filed a complaint through the Consumer Financial Protection Bureau. 
This false report is hindering me from obtaining approval for a new financial lease for a car and has left me with many sleepless nights. I appreciate any help in this matter.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2019 I applied for a pre-approvel loan with XXXX XXXX, which ran my credit for the pre-approval. I was later sent an email that I would have 14 days to shop around with other vendors to get quotes without it affecting my score. On XX/XX/XXXX I applied for a pre-approval with USAA  mortgage lender and my credit was checked also leaving a hard inquiry on my credit within the 2 week period.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (IA)

On XX/XX/XXXX my bag was delayed on a return trip from XXXX. I contacted the Citi Benefits number and the agent opened a claim. After returning home, I submitted the required information to complete the process. 
Last week, I received a letter date XX/XX/XXXX from Citi Card Benefits Administration stating the claim was declined as I was returning to my primary residency. 
I called Citi Benefits on XX/XX/XXXX and the service agent made several attempts to demonstrate that I was ineligible. First she restated the letter, then we talked about " Completion Date '', then that it was a return trip and finally she was suggesting XXXX was my primary residency. 
It felt like I was bombarded with a series of arguments to prevent them from honoring their offer per the guide called " Your Guide to Protection Benefits '' Fact- My bag was delayed and I was in XXXX for three days without my bag. 
They know my primary residence is in Iowa.
Consumer complaint received 2019-04-01
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. (LA)

I have not used my credit since I purchase my home, due to the new mortgage payment. I decided to try a refinance of my home loan and found all of these accounts on my credit report and they aren't my accounts. I also had to list additional accounts on my comment section of the identity theft report, beacue it wouldn't allow me to upload, the additional accounts.
Consumer complaint received 2024-02-09
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

On Wednesday XX/XX/2019, I contacted Caliber Home Mortgage to inquire about payment of my local city property taxes, because I had received notice from the city that taxes were unpaid and my house is subject to tax sale. Two late penalties had already been assessed and payment was grossly overdue. I spoke with a representative who promised to " escalate '' the request to have my tax payment disbursed to the city. I was told that we would have an update or a resolution by Monday XX/XX/XXXX. 
I did my due diligence by calling the city myself to confirm that no payments have come in on my behalf. I also contacted my title company to confirm that no special escrow funds for taxes due after my settlement/purchase date were being held by the title company, as that is not customary anyway. Also, I attempted to work with my loan officer who processed the loan, and he provided me with no help either. He had a colleague at Caliber look into the matter, but then decided to have me work with customer service and advised that he would no longer be of assistance. Their names are : XXXX XXXX XXXX and XXXX XXXX XXXX I called in periodically to check for a status update, and was told that the request was " being researched '' but there were no tangible updates. The managers that I spoke to were : XXXX, phone number XXXX ; and XXXX XXXX, who advised me that she doesn't have a phone number. 
I called on the promised resolution date of XX/XX/2019 at XXXX XXXX  in the morning, XXXX XXXX, and was told that there were still no updates. XXXX XXXX advised that she would call me before she leaves for the day with an update. She leaves for the day at XXXX Central time, so I am awaiting a call back, however, given the lack of follow-up thus far, I am respectfully submitting this complaint, because I feel as though I have been mistreated by the company with no recourse for actual assistance. 
Thank you.
Consumer complaint received 2019-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

I contacted Navient in XX/XX/XXXX to inquire about the payment history on my student loans. The initial private loans and federal student loans began repayment in XXXX and were set on a 15 year gradual step repayment plan. The initial servicer was XXXX XXXX XXXX XXXX XXXX. The loans were then consolidated in XXXX to include graduate student loans. The service provider was switched to XXXX XXXX, and subsequently Navient acquired the loans around XXXX. From XXXX I made several lump sum overpayments. Navient did not allow me to direct these overpayments to the loan of choice, rather they applied them evenly across the two private loans and two federal loans. 
Trying to understand the complete loan payment history, and reason why the amount owed in XX/XX/XXXX was more than the original amounts borrowed ( despite overpayments ), I requested via phone, a complete history of payments made on the loans. I was told by the customer service representative that this was not possible since Navient did not service my loans prior to XXXX. I asked for an accounting of the amount that was acquired by Navient in XXXX and a complete accounting from that date. I was told by the customer service rep that I would receive the accounting via mail within 2 weeks. Subsequently, the accounting was never received via mail or electronic mail. 
I was also told by the customer service represenative that when Navient acquired my loans they were in a " repayment plan of forbearance ''. I explained to the customer service rep that " forbearance '' is a loan status and not a " repayment plan ''. I was trying to understand why the repayment plan I had selected with my prior provider ( 15 years graduated repayment ), did not carry with the loan acquisition by Navient. This information has still not been provided. Rather I was told repeatedly by the customer service representative that the " repayment plan was forbearance ''. 
I have since re-finance my loan with a private servicer since Navient could never provide a clear accounting or transparency into how my payments were applied. 
Successful resolution of this issue would be a complete accounting of how all payments were applied by Navient. In addition, I would like information on the balances as bought and sold from XXXX to Navient. I have checked the federal student loan database for this information, but there does not appear to be any record of payments applied, only amounts bought and sold between corporations in the submarket.
Consumer complaint received 2019-04-12
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest Credit Company violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.
Consumer complaint received 2023-01-03
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. (IL)

Experian has failed to follow guidelines provided by FCRA. There are inaccuracies and fraudulent information being reported on my consumer report. Experian was made aware of fraudulent activity in XX/XX/2022 and has failed to block and remove the negative inaccurate information. There inaccurate names addresses and accounts.
Consumer complaint received 2019-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

In the XXXX of XXXX CMRE had sent be medical bills and contacted me via cell phone. On XX/XX/XXXX, I spoke to a male rep who stated that I had 7 accounts, but only 1 with a balance. He said the total amount of that account was $ ~XXXX.  However, he said my portion was only {$76.00}. He then transferred me to a female representative who tried to collect {$300.00} from me. I then sent an email to CMRE to verify what was going on. They did not respond to this email. However, I received a bill in the mail for an amount of {$76.00}. I made this payment and subsequently validated via telephone that all accounts were paid in full. Since then I have not had any communications from CMRE. On XX/XX/XXXX, CMRE began reporting an {$82.00} collection account on my Credit. Based off this, I called into CMRE on XX/XX/XXXX and spoke to multiple people. They informed me that the last notes on the file show a communication with them on XX/XX/XXXX ( before the email ). The notes did not reflect the male I spoke to or the subsequent call. The assistant manager XXXX said she would try to pull the calls I had with him. She confirmed that they did not attempt to contact me since my last communication with them. She stated that they reached their mailing threshold and that is why they did not send anything via USPS. She also claimed that they did not have my phone number on record ( even though they called me last year on it ), and that is why they didnt attempt to call me. 

I no longer use the credit card I paid the account with and therefore can not pull a receipt. I agreed to pay the debts they are now claiming I owe if they remove them from my credit. However, they have refused to delete them. I asked XXXX for their regulator information and she told me it was the XXXX. I subsequently spoke to the manager XXXX who now claimed I hadnt made a payment since XXXX, and refused to look for the phone records of me speaking with them.
Consumer complaint received 2024-02-09
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. (MS)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2700.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$51000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/year> ; XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the 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 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NH)

I had bought a home about 4 years ago. My first mortgage company sold me off to Wells Fargo ( I had no choice in this, I would have objected given the chance ). I had a payment plan with the lender - I paid twice a month, the mortgage split in half, on the 1st and 15th of the month, by electronic withdrawal. 
My job situation changed, and I could no longer guarantee that I had the required amount of money in my account to be withdrawn at the given dates. I called up Wells Fargo, after I had paid the required payment on the 15th, and asked to set up the schedule for the end of the month from now on, from next month on, which the agent agreed to. I made payments since then, every month at the end of the month, never missed a payment, and they are charging me a late fee every time. By now the late fee is close to {$1000.00}. I refuse to pay that, and I am asking you to contact them, which I already have and I was brushed aside. I want to change mortgage lenders, because I have nothing good to say about Wells Fargo - at one point I applied for a program they offered, about looking into my income situation when I was in-between jobs and had to borrow money to pay the mortgage ( still, I never missed a payment ) - and I was turned down because " I didn't make enough money '' ( seriously ). Thank you for your time ....