davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (NY)

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (OH)

Us bank closed my account on XXXX XX/XX/XXXX for unknown reasons they refuse to reveal the reasons to me. I was told I would receive my money by check in15 days it is XXXX XX/XX/XXXX and my money is still being held over XXXX in beginning and another XXXX deposited on XXXX XX/XX/XXXX by disability direct deposit bc account shows open. I am late in rent water gas electric cell phone internet storage not to mention Ive had no money this is all I have its causing a hardship. My Mac rent check bounced due to the block they submitted even though the money was in account. This has made me almost XXXX
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I have sent XXXX XXXX a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.
Consumer complaint received 2022-05-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: MECHANICS BANK (CA)

Mechanics Bank Auto Finance claims an installment contract with my alleged signature was purchased by them. This installment contract contained a questionable VIN number. I requested validation, investigation, and reinvestigation, but Mechanics Bank failed to provide actual proof of their claim. As they have failed to produce results time and time again, I have been left with ruined credit and financial turmoil. 

After I revealed to Mechanics Bank that the VIN number was indeed inaccurate, Mechanics just updated their account information to reflect the correct VIN description as : XXXX, to match the contract. 

I called the DMV several times and requested a lookup of this VIN and my suspicion was confirmed that the number is not registered. My next question naturally is how could they have allegedly sold me a vehicle if the VIN isn't registered? Please see the attached documents from the DMV of XXXX. 

The attached form provides a description of the vehicle ( VIN ) that XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) and Mechanics Bank Auto Finance have claimed to be correct. The DMV has verified my suspicion that this VIN is in fact not real and XXXX XXXX and Mechanics are tying me to a FRAUDULENT contract. 

I wished for this to be removed from my consumer report numerous times. My credit was ruined along with my reputation so no reputable credit card company will approve my applications. I've been denied the benefits of my own credit for almost three years due to Mechanics Bank Auto Finance lack of thorough investigation. This has directly the degree in which I'm able to my provide for myself and my family. Unable to access the benefits of my credit is financially devastating and continues. I have provided more than enough information to Mechanics and wish for this issue to be resolved as soon as possible. I wish for Mechanics to provide relief for this huge inconvenience to me and my family. 

I will be entering a motion to litigate if my wishes are not met.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc. (FL)

I have been with " XXXX XXXX '' for the last five years with my primary home mortgage and never been late. All my correspondences are on line via email since I don't check any physical mails and all my payments are set up as auto pay directly from my bank account for convenience so that I don't have to worry about being late, late payment fees and to keep healthy credit score!!! 

Recently, as of XX/XX/2024 XXXX XXXX sold the mortgage to " Valon Mortgage Inc '', which I was not aware of since I don't check any physical mails, as I have mentioned earlier. After receiving a " certified mail '' I came to know that the loan has been sold to the Valon Mortgage Inc. After receiving the letter I have reached out to Valon Mortgage Inc , paid two months of outstanding payments and set up an auto payment immediately, including a bi-weekly payment. 
Valon CSR even removed the late fee for one month and told me that I will not be considered late since I have cured the breach within 90 days. 
Soon after I made the payments, I found out from the credit bureaus that Valon reported my payment as late and my credit score dropped by more than XXXX points!!! 

After the incident, I have reached out to Valon CSR again and explained them the situation. The CSR apologised and told me that it shouldn't have happened, but she can't do anything since that's above her pay grade and suggested me that I should send an email to Valon corporate office and asking them to remove late payment notification from credit bureau at XXXX, which I did immediately on XX/XX/XXXX. Till todate I have not received any communication from Valon and it's hurting my credit and financial obligations. Here is my details- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan # XXXX Ph # XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Billing dispute timely filed for {$110.00}, date XX/XX/XXXX, merchant XXXX 's. On XX/XX/XXXX a letter was produced on Bloomingdale 's letterhead requesting additional information for a dispute filed over 60 days ago. Significant proof in the way of an email from the merchant claiming that the merchant " would like my address so that they can recover from our failure '' ( copy attached to this complaint ). Merchant was provided my address on XX/XX/XXXX, merchant never responded. I have a valid dispute.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?
Consumer complaint received 2022-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I applied for a Sam 's club credit card via Synchrony Bank online in XXXX when placing an order. Because of a prior fraud alert on my credit file, it could not be processed automatically b/c Synchrony could not access my credit file without verifying my identity. A few days after that, I removed the fraud alerts as that issue had long been resolved. However, I never received any follow up from Sam 's Club or from Synchrony regarding this application. 

In late XXXX, while in a Sam 's Club store, I received a preapproved credit card offer at checkout, so I agreed to apply again. This time they said the application was stopped because of the earlier application and I would hear something via a letter. 

I received a letter last week dated XX/XX/XXXX that my application was denied because " prior application submitted too recently. '' I never received anything regarding that original application, now almost 2 months ago. 

I contacted Synchrony and all they would tell me is that both applications were declined and I would receive a letter explaining. I tried to explain that I did receive a letter ( dated XX/XX/XXXX ), but it was for the 2nd application. I wanted to know what happened with the 1st application and why it apparently was declined. That employee could not provide any additional information, so I left a message on Synchrony 's facebook page. 

In response, another employee called me and she was able to explain that after my 2nd application, she did see that they were able to pull my credit to process the first application, but it was showing as declined. Again she said that there was a letter sent explaining, and it was dated XX/XX/XXXX. ( 3 days earlier than the one I already received ). 

It has now been over 10 mailing days, and this letter never arrived. My XXXX  score is XXXX as of last week. I have no late pays, no judgments, no collection accounts. I have absolutely no derogatory items in my credit file, so why did they decline me? How do I know they even pulled the right credit file? Aren't they supposed to inform me in writing why I was declined as per the FCRA requirements? 

Further, please note that I have at least 3 other active Synchrony accounts, all with perfect records and have had at least 2 of those accounts for over 10 years. I never carry a credit balance ; while I use credit cards for the rewards, I pay them in full every month. 

I have attached a copy of the one and only letter I've received.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, 2017 I called capital one credit card regarding a purchase from XXXX furniture store in XXXX XXXX Texas, I tried to work out the dispute with merchant on faulty item I was sold but the merchant refused to work with me. I file a disputed with capital one regarding this item, being faulty them the merchant agreed in text messages to take back the item I returned the item and the merchant refused to give me a refund. I advised capital one what happened I was told to get a police report and I did. The merchant told me the item is Arkansas. Now capital one wants to continue charging me {$1000.00}. I still have n't received any mail regarding the case.
Consumer complaint received 2017-08-19
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. (AZ)

The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I have made payments every month using the online feature, however I have been receiving messages that my loan is 95 days overdue even though I make a payment online every month. When I called I was told that my loan payments was not allocated to where it was supposed to go. I called Navient and was told that they were going to fix this problem and reallocate my previous payments but this has yet to happen.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I overpaid my mortgage on XXXX and XXXX. the payment on XXXX was in the amount of XXXX and overpayment of XXXX. I also made a second payment of XXXX on XXXX. I contacted my bank XXXX on the XXXX asking the the second payment be reversed since it was an electronic payment and would not be posted until the XXXX. XXXX told me they could not do that and to contact my mortgage company Santander. I went to santander branch on XXXX XXXX and asked for the payment to be sent back. they placed a request. On XXXX I called santander because my payment was not reversed they said it had to go through the back office and may take 10 business days.I spoke with the morthage company again on XXXX as they called me and they requested that I send them a copy of my bank statement showing the funds had been removed from my account. I faxed a letter with a copy of my account statement showing the funds were indeed removed. I asked why they needed that since they had my money in hand. I called santander again on XXXX and they are now requesting a letter from XXXX stating that they submitted the XXXX payments and that they will honor both payments and to please refund me my money back to my account. Santander said they do n't want the check to stop payment. I told them it was electronic and not a check. I am still waiting for my money I overpaid. My XXXX mortage payment is not due till XXXX well beyond this 10 day waiting period so they should not be worried about the funds not being honored. They have my money and I am in my legal rights to have it returned back to me as quickly as it was taken electronically.
Consumer complaint received 2022-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX I called PNC to try to pay my full balance. I asked if there was interest on the account and if I could get a full payoff total. I was told the system would not allow me to pay anything over my balance that is listed in balance due section. I spoke with XXXX and asked if I paid my full balance on XX/XX/2022 would interest be assessed on my next bill. XXXX told me if I paid my full balance on XX/XX/2022 there would be XXXX dollars of interest on my next bill. Later that day I called back to verify that my payment went through, and I asked once again about the if interest would be charged to my account, once again I was told no. On Saturday XX/XX/2022 I saw my online statement and there was interest charged for {$12.00}. I immediately called customer service, I explained to the rep what took place, and he went to speak with his manager, he returned to tell me his manager said the interest would have to stay and would not be removed. I requested to speak to the manager and that was XXXX. I explained over again to XXXX the situation, though he seemed reluctant eventually XXXX told me the interest of {$12.00} would be reversed and I should see the credit on my account in a few days. I have checked my account all week and saw no changes, the interest fee was still there. I called today XX/XX/2022 only to find out somehow the request to reverse the interest was denied, no one called or email to tell.
Consumer complaint received 2017-08-18
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. (RI)

my credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.
Consumer complaint received 2022-05-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

I have 4 private student loans with Navient, went to XXXX XXXX, XXXX, XXXX - XXXX. The loans I took out were Sallie Mae loans, I thought at the time they were government loans. First loan, I took out was for {$12000.00} doubled to {$25000.00} within several years ; the other were small loans {$9000.00}, and ( 2 ) {$5000.00} loans. I started paying back the loans under income repayment in XXXX with monthly allotments to present. Iam now on Social Security and spousal military retirement ; main income. XXXX  to my XXXX XXXX mother with multifaceted illnesses. Pay present monthly amount of {$240.00} to Navient. Have to renew loan every 6 months with higher and higher interest rates. Two weeks ago tried to renew loan repayment with Navient will go up to {$300.00} monthly. I recently learned from my credit report Navient has filed contradictory information that I have continuously missed payments. How can I miss so many payments when I set monthly allotments??? The problem I noticed with Navient when you set up the allotments on your credit card/debit card, the first month you start taking out the allotments always dont process with the bank. Thats the only way I figure I could have missed payments??? I need help from a pro bono lawyer to help clear my credit report. Navient is the only company on my credit report with destructive information. Iam XXXX years of age, I have intention to pay on my student debt but not beyond my means. I have to pay rent, car insurance, XXXX insurance I just need help lowering the debt some.