davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding XXXX   once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of XXXX   and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.
Consumer complaint received 2018-08-21
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: LHR Inc. (SC)

XXXX XXXX XXXX IS REPORTING THAT THEY HAVE AN ACCOUNT THAT BELONGS TO THEM.I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX.XXXX HAS THAT I OWE THEM FOR AN HOSPITAL BILL, I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX  & XXXX  credit beureas on these matters. I need to get these ACCOUNTS REMOVED from my credit reports.thank you.
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (PA)

I have been sending dispute letters since XXXX this year, and they never send me a legal verification. Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even providing valid proof
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

I received a statement with my name from a Citi XXXX XXXX  card which I did not apply for and the amount owed is {$4300.00} purchases made to XXXX
Consumer complaint received 2018-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (VA)

I was contacted by a company called citifinancial via telephone for an outstanding credit card debt originally held by Citibank. To resolve it, I paid the debt on XX/XX/2018. I tried to contact the company for a letter indicating the debt was paid. No response. I looked at the charge and it listed XXXX XXXX XXXX   XXXX, not citifinancial. I attempted to contest the charge as fraudulent to my bank. They would not pursue as the charge was at a company more than XXXX miles from my home. I paid {$4200.00}. I then paid the same account to a second company who was legitimate and sent written verification debt was resolved. The first payment is now money lost by me. Request assistance. I have made multiple attempts to contact XXXX XXXX XXXX XXXX and they will not return my call. They misrepresented who they were and they did not hold the debt.
Consumer complaint received 2018-09-07
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: GENTRY FINANCE CORPORATION (NV)

Upon Viewing my new monitoring services i noticed an account not belonging to me from company GENTRY FINANCE. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 the Bank of America ( BOA ) debited my checking account for {$9900.00} when presented with a XXXX XXXX : ECHECK ID : XXXX, INDN : XXXX XXXX CO ID : XXXX WEB. On XX/XX/2018 the bank again debited my account for {$9900.00} when presented with a XXXX XXXX : ECHECK ID : XXXX, INDN : XXXX XXXX CO ID : XXXX WEB. 

When I went to reconcile my account on XX/XX/2018 I discovered these fraudulent debits. My account has been closed and a Bank of America claim was made ( Claim number XXXX ). The funds were restored about four days later. 

I have also notified XXXX of the fraudulent EChecks. It is my belief that my XXXX merchant account was breached and this is how the fraudster was able to set up a new XXXX account and draw and ECheck on my BOA account. While I believe that XXXX is primarily responsible for the security breaches that lead to the issuance of these fraudulent Echecks, I am shocked that the Bank of Americas security procedures were so weak that these transactions were executed. 

In over twenty-five year I have never issued a XXXX XXXX ECheck. I have almost never issued any form of disbursement from my account for over {$2000.00}. In fact, the pattern of disbursements month in and month out are virtually identical as to payees and as to amounts. Additionally, the amount of the XXXX XXXX EChecks, {$9900.00} should in of itself have raised a red flag as it is just below the {$10000.00} level which would necessitate special reporting requirements. Given the unusual form of the check, the unrecognized payee and the significant amount of the check, I would, as a bank customer, have expected that some form of alert and verification process been triggered. In the past when I have attempted to make intrabank transfers over a certain threshold ( significantly less than {$9900.00} ) security confirmations via text messaging to my phone have been implemented. Why wasnt I alerted to this highly unusual set of transactions? 

As part of the process of resolving this issue I opened three new accounts with the remaining funds transferred from the compromised account. I have spent many many hours setting up new accounts and changing automatic deposits and payments. The stress and aggravation has been significant. 

My complaint to the CFPB is that the Bank of America has never answered my question as to how such an egregiously set of fraudulent transactions could have been debited form my account in the first place. The CFPB should investigate the utter inadequacy of Bank of America 's fraud prevention systems.
Consumer complaint received 2018-09-07
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. (CO)

Chapter XXXX Bankruptcy US Bankruptcy Court District of Colorado Case Number XXXX Filed XX/XX/XXXX & Discharged XX/XX/XXXX - TransUnion is refusing to report the correct status of XXXX XXXX # : XXXX as included in Bankruptcy. File number XXXX, disputed and was not corrected as of XX/XX/XXXX. TransUnion is reporting the Bankruptcy discharge under public record but refuses to correct the accounts that are listed in the schedule with known dates prior to filing and discharge.
Consumer complaint received 2018-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

I am a co-signer on a Sallie Mae loan for XXXX of my children. I receive an automated call if the payment is past due, which is understandable. However, it has progressed that I am receiving an automated call on my cell phone and home phone 3-4 times per day. The calls come in succession, after my cell is called within minutes it calls my home number. The calls are answered if I'm available. I know they have voice detection because the automated message does not start to play until after I have spoken. The use of automated calling is unacceptable and a form of harassment. I have previously called and spoken with an account representative, their only concern was collecting a payment. In many cases the payment had been made on-time and not yet posted in their system.
Consumer complaint received 2019-01-10
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I received my chexsystems report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX  on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX  on XX/XX/XXXX I didnt apply for XXXX XXXX and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I opened a MONEY account for my baby sister who was XXXX at the time to help her learn how to manage her money. She hasnt lived with me since XX/XX/XXXX. Recently the account went into a huge negative, {$4900.00}. Causing the bank to place all accounts on hold. My personal checking, savings, my XXXX old sons MONEY account, my XXXX old nephew savings and my husbands checking. I contacted Capital One the next day and asked to be removed from the acct and was told I couldnt be due to the balance. I explained to them that I shave no idea where my sister is and had been trying to get in contact with her to see how she intended to fix this and was told that Im responsible for repaying this debt. This account in particular has NEVER received a deposit for more than $ XXXX/mo but they allowed 4 FRAUDULENT checks to clear without making any contact with me but now want to hold me responsible for. I could have advised them to at least hold the checks to make sure they clear The young lady also explained that she had me on hold for soling to make sure I had NOTHING to do with wherever scam my sister was involved in. She advised me to file a police report but the officer said my sister would have to be the one to file it since the checks were written to and cashed by her. Bc my family last told me thst she wasnt working and was not looking to do so. Im a single mother, whos divorcing her husband and trying to continue to feed my son and keep my job. Ive made several attempts to reach out to her and its all been a dead end. Please help me!!!! I can not afford to pay for a debt I didnt make on my own. I also have the images provided by mail for all of these at home ... I can provide these as well if needed. Ive also been attempting to get in contact with their Customer Resilience Dept but due to my work schedule and their hours ... Ive had no luck.
Consumer complaint received 2018-09-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AZ)

My cosigner died XX/XX/XXXX and Navient is attempting to call the note due, contrary to their public statement they would cease doing so. My payments have never hit 30 days late in 3 years but I have been turned down for cosigner release or refinance due to credit issues ( mainly stemming from prioritizing the 10 year repayment on this cosigned loan so as to never miss that payment ). 

The auto default clause is still actively being enforced.
Consumer complaint received 2018-09-07
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)

I have reach out to XXXX and transunion, on several occasions about XXXX XXXX  reporting on my credit and they not authorized to do so, university of XXXX is the original debtor, i received a call from the Vice President XXXX XXXX, of the original debt on XX/XX/2018 he told me he had great news that he advised XXXX to not report on my credit any more and to send my file back to the college and DO NOT CONTACT Me, are update my credit again, and XXXX and transunion was sent proof from the original debtor that they approved my appeal to remove this Tradelines from my creditor and instead they violating the M2 compliance law with out proof that this debt is valid to continue on reporting it on my file damaging my credit causing stress to me for no reason..
Consumer complaint received 2018-09-07
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. (TX)

I have reach out to Equifax and XXXX, on several occasions about XXXX XXXX reporting on my credit and they not authorized to do so, university of XXXX is the original debtor, i received a call from the Vice President XXXX XXXX, of the original debt on XX/XX/2018 he told me he had great news that he advised XXXX to not report on my credit any more and to send my file back to the college and DO NOT CONTACT Me, are update my credit again, and Equifax and XXXX was sent proof from the original debtor that they approved my appeal to remove this Tradelines from my creditor and instead they violating the M2 compliance law with out proof that this debt is valid to continue on reporting it on my file damaging my credit causing stress to me for no reason..
Consumer complaint received 2018-09-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (KS)

We got a small XXXX dollar loan in XX/XX/2016 to pay off my wife schooling have made regular {$270.00} bi weekly for 2 yrs and have only paid off {$800.00} of the principle. Why is it legal for a paday lender to charge 299 % interest on a loan? Isn't the government suppose to protect the people from usury rates? It's really frustrating to try and better your life by getting an education but then be a slave to a debtor for years when you have paid back the loan amount almost 3 times the amount borrowed.
Consumer complaint received 2020-12-06
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: Experian Information Solutions Inc. (FL)

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I have had the reliacard since XX/XX/XXXX XX/XX/XXXX..when i received it and try to activate it the card had a block on it before i could use it. I have called reliacard throughout XXXX and XXXX trying to activate my card. When i received my card it had XXXX on it now XXXX there is XXXX on my card and reliacard refuses to give me access to my money. I have sent in faxes with peoof of identity i have talked to over 20 reps who are no help at all. I received a message from reliacard on XX/XX/2020 telling me to upload a selfie and id i did this twice and card is still locked. Ive called countless times just to have them say oh upload it again! My bills are swamped im stressed out. I just want my money and reliacard is basically holding my money without fair reason ive done everything they have asked and still no help 2 months later this is ridiculous
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (GA)

Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Lease
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: General Motors Financial Company, Inc. (OH)

On XX/XX/2018 I signed a three year lease agreement on a XXXX XXXX from XXXX XXXX. At the time the car was not on the lot but expected to arrive within the week. They had told me it is showing on their database as in transit to arrive soon. I left expecting my XXXX within a week at the latest. Two weeks went by and I left for a family vacation without my new car, which I  expected to have for the trip. During my trip they called me to come in for a courtesy vehicle. On XX/XX/2018 I received the courtesy vehicle and again they told me my car should be in this week. They stated the computer showed my car in transit. On XX/XX/XXXX, I made a phone call to XXXX railyard. The manager said that vin number was not showing in her system which means it was not on its way. After that, I went to dealership to complain and ask if they could give me one of the four XXXX 's that were sitting on their lot. They stated it was out of their hands and they could not because I had signed a lease to a particular Vin Number. They continued to tell me my car was showing in transit. I have also been in contact with cooperate headquarters. They could not give me any answers nor were they willing to help me. I wanted out of my lease and after three weeks, I never received an answer. On XX/XX/XXXX, after a phone call to XXXX, I learned my car was finally showing " in transit ''. It's arrival date was XX/XX/XXXX On XX/XX/XXXX, I went to XXXX to pick up the vehicle. They were not willing to make this situation right in anyway. They put the blame on cooperate and cooperate put the blame on XXXX. I was inconvenienced and lied to for almost two months and all XXXX offered was to pay my two lease payments ( which I never actually had the car ). I am very disappointed and completely unsatisfied with XXXX XXXX of XXXX, Ohio.
Consumer complaint received 2018-09-07
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act.
Consumer complaint received 2018-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

XXXX has significantly undercounted my repayments made under the Public Service Loan Forgiveness program. They have also mishandled the Income Based Repayment ( IBR ) process, forcing me into forbearance against my will. According to XXXX  it takes 7-10 business days to process the IBR paperwork but up to 1-2 billing cycles to apply it to my account. That's a ridiculous time lag and is forcing me into a forbearance program when there's no need for one.