davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (PA)

Hello, My student loans were originally serviced by XXXX but were sold to Discover Student Loans a few years ago. On my original promissory note, it states that I could have my cosigners removed for loans XXXX and XXXX after 48 on time payments. Today, I am beyond the 48 payments. I contacted Discover a few months ago and they sent me the cosigner release form. I filled it out and set it back to them over 30 days ago. On their letter, one of there statements says, you should hear something within 30 days. Well, it has been beyond 30 days and I still have n't heard anything. I contacted them a week ago, and they said, just give it the time that is needed. There was no mention when I would receive official word or even if my cosigners are released. 

Two years ago, I had XXXX loan out with them and successfully got my cosigners released after XXXX payments. But, they were doing the same thing like they are now, and I had to file a complaint to inquire what they were doing and why they were stalling. 

For the year of 2015, I have paid discover a total of XXXX dollars. On top of that, I have paid XXXX dollars in interest. My gross income for the year of 2015 is XXXX. My credit score as of today is XXXX. I could come to XXXX instances why it is taking beyond 30 days to respond to my submission of the cosigner release form, it is either because someone is being lazy over there or it is being done purposely, so that they can continue to stretch this out, like they did two years ago and hope that I will give up on my cosigner release. However, they are violating the stipulations in the promissory note. By the way, when I submitted the cosigner release form, I included several pay stubs, so they have all the information they need.
Consumer complaint received 2022-08-26
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I forgot how many times I've tried to tell Equifax 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 an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act this unknown account must be deleted : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/19 Balance {$0.00}
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX, XXXXXXXX XXXX  sent a check in the amount of {$6100.00} to PNC Mortgage to pay off and close a home equity line of credit. Instead of closing the account as paid, PNC has reported to the credit bureau that the account was a charge off with an outstanding balance of {$6200.00}. This error was not realized until I was applying to lease a new car on XX/XX/XXXX. I contacted PNC about the error and was told the account was paid in XX/XX/XXXX, six months after the check was mailed and cashed. PNC also informed me that I would need to submit a written request to have the account updated with the credit bureau even though they had not made any updates to my status since XXXX. I also contacted XXXX and filed a dispute, which I understand may take 30 days to resolve.
Consumer complaint received 2022-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

XXXX has made it difficult for me to dispute the hard inquiry on my credit report, THEY DONT HAVE ONLINE DISPUTE OPTION, they pulled my credit twice for one mortgage application as well which ended up lowering my credit XXXX
Consumer complaint received 2022-01-26
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. (MI)

I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

NewRez LLC was my mortgage servicer as of XX/XX/XXXX. On XXXX XXXX, XXXX, NewRez made a payment of {$3700.00} to XXXX County, Maryland by mistake for the property tax, where the property was located in XXXX XXXX County, Maryland. Since XXXX XXXX, I have requested NewRez to request refund from XXXX XXXX and pay to the XXXX XXXX county for the past due property tax. But NewRez failed to do that. Because the property was made to the wrong county, the property tax due to the right county was past due and penalty was occurred. As of XX/XX/XXXX, the refund was not requested by them and past due property was not paid. On XX/XX/XXXX, I paid off the loan with NewRez. Since the loan was paid off, NewRez told me that I have to pay the past due property tax myself. As for the penalty, I have requested them to pay. But as of XX/XX/XXXX, they did not pay anything and the penalty will be increased if not paid timely. I have called, emailed and mailed to them more than ten times for this issue and very frustrated for their action and efforts. 

FYI, the payment was made to the wrong county two times. I have informed them the wrong payment in XXXX XXXX and they did not make the correction, which cause the second wrong payment in XXXX XXXX. Also, I informed that the annual escrow analysis is wrong and increased monthly payment ( more than {$400.00} ) need to be adjusted to the right amount. But they fail to do that. I over-paid amount to the escrow account, but they did not pay me any interest for the over-paid amount, which caused by their mistake.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have recently submitted a dispute with this credit bureau earlier this month in regards to some line items which were being reported on my credit report. After having an investigation done it was found that a couple of accounts being reported were deleted but not all. Since then I have paid off some debt I owed on my credit card and brought my utilization down to a zero balance. I have reached out to one of the accounts being reported to the credit bureau and was told that they submitted a request to have the line item removed yet it hasnt happened. I just recently checked my credit score only to find out that my score went down 17 points. I have called the credit bureau to find out why they havent taken off the collections from my report, and why since some derogatory items which were removed earlier this month have a negative reflection on my credit report. Also why since I have paid off my credit card has my score dropped down 17 points. I still have yet to get any resolve to my original complaint I have filed earlier this month. All I receive is general statements referencing their concerns and how they would love to address my situation and fix the problem I am having with them. Attached to this complaint is screen shots of the mishandling of my credit report.
Consumer complaint received 2017-08-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne will not request the title from CA even though I have a buyer lined up to purchase the vehicle. They will only request the title if you are changing the name or the state of the title.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (RI)

I received a Vanilla {$50.00} prepaid gift card. I attempted to use the card only to find it had no balance. I never used the 16 digit card and the card never left my wallet. I called Vanilla gift card customer service at XXXX and was told that {$49.00} was used at a XXXX in California ( I live in Rhode Island ). I was advised to fill out a dispute form and email to XXXX. I promptly did that the same day I placed the call on XX/XX/XXXX. On XX/XX/XXXX, I received confirmation from Vanilla gift card that the dispute packet had been received and forwarded to the Dispute Department for review and investigation. On XXXX I emailed for an update to my ticket # XXXX. I sent two more follow up emails on XX/XX/XXXX and XX/XX/XXXX. Finally, on XX/XX/XXXX I received the following response : " I received your previous email with your dispute form however, your form came through as a hyperlink and due to security reasons we can not open it. Please resend your packet by other means. '' I called this morning, XX/XX/XXXX, and advised the customer service rep that I never sent as a hyperlink but rather a PDF. As mentioned above, on XX/XX/XXXX, they confirmed receipt of my package. I attempted to call this morning to resolve the issue but was not able to come to resolution. The rep put me on hold for a very long time and never came back to the phone. How can a prepaid credit card be used elsewhere if the card was never stored on a website for purchases and was never taken out of my wallet? In my opinion, either Vanilla gift card does not have proper security in place to protect the credit card data or they issued the same number twice. In any event, I should receive the funds back. Please assist in resolving this matter.
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AL)

The collections agency received my account and everything was fine. They even offered to delete the account from my record as if it was never there if I paid the debt. However, after paying the debt, I could not get a copy of a letter saying it was paid. Recently, I ran my credit and not only is the file still on my report, but it is still marked as unpaid.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank, during the month of XXXX 2015 closed my Walmart Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Walmart Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Consumer complaint received 2023-04-16
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. (MI)

On XX/XX/2023 I sent disputes to all three major credit bureaus due to unauthorized or fraudulent inquiries on my credit reports. The bureaus did not remove the inquiries at all.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (IL)

I purchased a car from XXXX XX/XX/XXXX. The car had MULTIPLE PROBLEMS. I was finally able to trade it off XXXX XX/XX/XXXX. The car was financed through ALLY Financial. An extended warranty was negotiated with XXXX that was incuded in the sum to be financed. Because I traded the car off before it was paid off, the dealership, XXXX XXXX, in XXXX WI paid the XXXX XXXX XXXX ( subject vehicle ). I have a conformation email from ALLY Financial that the vehicle was paid off and they released the lean from the title. I called XXXX and cancelled the extended warranty and I was told that ALLY Financial had to mail the refund in the amount of {$840.00} back to me. I have spoken to several ALLY Financial representatives, last being this morning of XX/XX/XXXX who state that ALLY Financial has not received the {$840.00} from XXXX to send back to me. 

I spoke with " XXXX '' from XXXX this morning also on XX/XX/XXXX who assured me that the sum of {$840.00} was sent back to ALLY Financial. However, again, ALLY Financial deny the money was received. XXXX representative told me this morning that ALLY Financial has informed them that they, by their internal policy, keep that money for 5 weeks before sending it back to me. I do not see anything in my purchase contract that condones that and, again, ALLY Financial deny receiving the money. 

Clearly someone is lying.
Consumer complaint received 2022-10-07
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. (NY)

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! XXXXm the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for :
Consumer complaint received 2019-07-29
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: DISCOVER BANK (GA)

On XX/XX/ 2019, I got a notification from my ID protection with XXXX that an inquiry for credit with Discover card had been made. I never applied for credit with Discover. I immediately called Discover, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and Discover the inquiry has not been removed. Discover and the credit agency is blaming the other for it still not being removed. XXXX and XXXX are the only two showing the inquiry. XXXX state they do not accept inquiry disputes from consumers. They refuse to accept the letter Discover Card sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be one point from getting a top tier interest rate.
Consumer complaint received 2024-05-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (VA)

That claim my car was worth only XXXXXXXX XXXX but it was worth over {$7000.00} still worth around {$6000.00} today. They had a tow truck rip it out of my driveway. You all already order tmx title Max to pay for unlawful loans which mine qualifies for but I received nothing. They sold my vehicle probably for XXXX and claim they only made {$400.00} XXXX off of it and I still owe them yet it is still assessed by county today over {$6000.00} I got the price I bought it at just around a year before they tool it and sold it.
Consumer complaint received 2023-04-17
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (PA)

This item Genesis FS Card Services Inc. ( Indigo Credit Card account number is inaccurately reporting and negatively impacting my credit scores and payment history it is currently reporting I missed 2 payments for the month of XXXX and XXXX. However payments were made and confirmation numbers were provided for payment date XX/XX/XXXX confirmation number XXXX and XX/XX/XXXX XXXX. I am requesting that Genesis FS Card Services Inc. ( Indigo-XXXX Bank XXXX have the item removed and change to correct the information to identify there are no late payments and have them removed as they are currently reporting on my credit reports. My credit report was updated XX/XX/XXXX stating my account was now current however it still reported 2 late payments. Today XX/XX/XXXX I have a {$0.00} balance and they are now reporting I am 30 days on a payment that is not owed which has negatively impacted my credit rating again.
Consumer complaint received 2019-07-29
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: Hillcrest Davidson & Associates (TX)

I AM NOT THE ONE THAT OPENED UP ACCOUNT XXXX THIS IS NOT ME THIS IS A FREQUENT ACCESS MY ACCOUNT AND MY INFO THIS IS SOOM ONE THAT GOT MY INFORMATION. 

XXXX XXXX IS NOT MY ACCT. 
XXXX THIS IS NOT ME. 
ONE HAS MY NAME AND ADDRESS. 

THIS SOOM ONE THAT GOT MY INFORMATION. XXXX WILL ACCT. # XXXX MY INFORMATION IS IN THE DARK WEB.
Consumer complaint received 2018-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

After repeated communications with Resurgent Capital Services and XXXX XXXX XXXX that this is a fraudulent debit, they continue to try to collect on the debit. 

Please note that Resurgent Capital Services and XXXX XXXX XXXX have not provided an executed contract between the debtor and myself only an " ACCOUNT SUMMARY REPORT '' which could easily be developed without an executed agreement. Based on the ACCOUNT SUMMARY REPORT, the origination date with original creditor was XX/XX/XXXX, and the last payment was XX/XX/XXXX. At this point in time this matter is not within the Statue of Limitations. 

Please consider this a matter similar to XXXX XXXX and fine Resurgent Capital Services and XXXX XXXX XXXX XXXX XXXX ( XXXX ) dollars to stop there practice of extortion, harassment and violations of the Fair Credit Reporting Act.
Consumer complaint received 2015-12-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (NC)

Year XXXX, I activated a credit card through American Eagle with a co-signer, my ex fianc, because I had no credit at the time. I was on time for years paying my monthly payments. My total amount due always lingered around {$2000.00} no matter what I paid due to the fact the interest rate was so high it seemed as though I could never get it paid off. I cancelled my credit card maybe a year after obtaining it. I was still just making payments monthly or as I could. I was in a domestically violent relationship with my co-signer who I was living with at the time of activation of this card until I moved out at the beginning of XXXX. I purchased my own car right before moving out, having to do this behind his back so I could get out of this abusive relationship. Once I moved into my house that I rent, in XXXX XXXX, I was now responsible for a car payment, house rent, cell phone, lights, gas, groceries ; things I was not having to purchase before because he controlled every aspect of my life against my will. He made statements that he would pay this credit card off, at the time he had his XXXX for 15 years and was very successful, I was a struggling college student trying to get into XXXX and working at $ XXXX. It became impossible for me to be able to keep up with the payments and intrest rate of 26 %. I was accepted into the XXXX in the XX/XX/XXXX. I had to get student loans, I was not eligible for financial aid, I was going throught emotional stress, my hours at work had been cut in half. it is impossible to pay off this debt especially when someone else was the main user of this credit card besides myself.