davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MN)

As of XX/XX/XXXX i made a {$500.00} a payment. This was applied to the XX/XX/XXXX payment due at the time. I texted with the XXXX App the next day XX/XX/XXXX as the {$500.00} was applied to the XX/XX/XXXX payment due and then towards the interest on the XX/XX/XXXX payment. Not yet due. The rep i texted with said they'd fix it and reapply the difference towards the principal. After it was corrected i made another {$50.00} payment to the principal XX/XX/XXXX ( before the XX/XX/XXXX ) payment is due and their XXXX system misapplied it again ; It was applied to interest not yet due. I had to text them again about it and they said it would be fixed. Then i had to call to make the request. 3 times this month. I requested a payment history from XXXX after the payment corrections. The math behind the recorded XX/XX/XXXX payment does not make sense with the anticipated amortization that has occurred since i bought the car. It's not on track. ( PLEASE SEE ATTACHED PAYMENT HISTORY SENT TO ME BY XXXX ) Each month a portion of the payment is applied to interest the other to principal. AS an XXXX for a big bank with a business degree i'm fully aware on how amortization works. So with that being said. i'd like to report financial harm being brought on by GM Financial. Their payment system constantly misapplies my additional principal payment with hopes to pay this loan off sooner than the XXXX payments i signed up for. EACH month since i bought the car i've had to call and write them. I believe this is the XXXX complaint about this. I would hope the CFPB is keeping track of this customer nuisance. If you look at the attached payment history you'll see between the recent recorded payment and what was paid in XXXX XXXX XXXX last month vs prior month you can see the trend based on the amortization. For some reason they charged me more in interest on the XX/XX/XXXX payment than they should have. I believe this is attributed to the same funds intended as additional principal being yet misapplied. I believe they are manipulating their payments on purpose to keep people in debt longer at 8 % and not giving credit for the client 's on-time payments with additional funds to decrease the balance. Considering there's a common trend with reported numerous complaint i would hope the CFPB would open a case to inquire about their payment software and billing practices. I'd like to report the financial harm they are causing.
Consumer complaint received 2022-02-24
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. (NJ)

This is about a hold that was actually charged to my card an refunded back an it did not come back on my card an it has been 72 hours the refund should have been back on my card immediately the longest 24-48 hours but it still is not. Im experiencing identity theft since last year and it seems to continue with this card especially when I get refunds they never get back to my card it seems it is someone in Citibank doing these acts. Someone inside keeps messing with my personal information and the customers service representatives are very unprofessional and rude.
Consumer complaint received 2024-02-14
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

I called Edfinancial services today XX/XX/2022 and asked for my loan refund for the payments that I made during the pandemic pause. I was told that this refund would take up too XXXX year to processes. That is a deceptive practice to not refund so that I will still owe them money after Biden 's loan forgiveness if they finally get around to refunding the money. This is intentional on their part to to try to get additional monies to their company. The other major student loan servicers have given customers a XXXX week window for the refund. I am due XXXX for the Bidens cancelation program as I have Pell Grants.My current loan after making all forbearance payments is approximately XXXX. I have made payments for the entire time of forbearance.I have researched the large number of complaints against this organization and the lawsuits, including the XXXX XXXX dollar suit filed by CFPB due to lying to consumers and engaging in deceptive information. I want my payments that I paid during forbearance to by refunded within the proper time frame to allow me to have the amount added to my loan so I may receive my full loan cancelation amount. Their are many complaints online regarding this same issue I am having with Ed Financial.
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Acount # XXXX, XXXX  Account # XXXX, XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Sallie Mae / Navient has made multiple errors recording my payments since XXXX some were made in XXXX XXXXNavient has been extremely irresponsible responding to my requests and demands in order to verify what the actual balance of my daughter 's accounts is. I have been trying to get them to verify they have received every one of my payments for every account. I have been making these requests and later demands since XXXX. I need them to confirm first of all that they have recorded every payment I have made for two daughters with a total of 5-7 subaccounts. They have made errors with the Stafford loans numerous times. When they send me their " disbursements '' records it does not show any total of my payments made since XXXX. Many of their payments appear unfamiliar compared to my bank records. The Consolidated part of the loan is actually the earliest ( previously called XXXX XXXX  in XXXX ) and yet they claim there is still a balance for that portion of the loan. For the past two years they ignore my requests/ demands simply responding : " they have already addressed those issues '' They fail to take responsibility for the mistakes they have made such as entering one of 5 monthly payments to the wrong account, failing to demonstrate they received more than minimal monthly amount on statement when I often added {$100.00} - {$300.00} in order to get loans paid off sooner. They made several errors in XX/XX/XXXX - mixing my Consolidated with Stafford and then sending a refund through the Social Security department and then failing to confirm they received that when I endorsed the chack back to them. That same month they sent a refund to my daughter instead of entering on my account. Those problems are what lead me to warn them 6 months in advance and then cease making any further payments until they provide information I need to verify their records match my XXXX bank records.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Requested for my Credit report and file from Transition, XXXX, and XXXX, only received the report. I need my whole file.
Consumer complaint received 2022-08-29
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. (IL)

On XX/XX/2021, I received dispute letters back from XXXX showing multiple accounts were deleted off my credit report, yet they are still showing. I am in the process of sending a new round of letters with copies showing that the accounts should be deleted. There are currently 4 accounts and 4 collection/medical accounts still showing on my account that was supposed to be deleted in XXXX. 

These same 4 accounts plus one extra and collections are also shown on my Trans Union account after notifying them XXXX has deleted the accounts off my report, so its mandatory for them to do the same. I demand remedy/relief from TransUnion, for this has impacted my credit report and ability to get approved for anything with these negative, inaccurate accounts reporting.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Transfinancial Companies, Inc (LA)

For every Bill I received I have made a payment. About a year ago I stopped receiving bills, and have not gotten a phone call email or letter about this debt. I did not know this debt still existed until I found out from my credit report that I have an account in collections.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am disputing the accuracy on the status of my item. It is showing as late where in fact I paid my bill on time and it should show as 'current. ' There was never any late payments prior either. I am requesting that the CRA adjust my payment status to 'current. '
Consumer complaint received 2018-12-26
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: General Motors Financial Company, Inc. (TX)

I have been disputing for over a year with GM Financial about an account that they have as charged off whenever the vehicle loan was paid off by insurance in XX/XX/2015 for a wreck.
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (NV)

During an emergency room visit to XXXX XXXX XXXX for a medical issue I told the hospital doctor and intake nurse I had NO medical insurance. I signed the forms to that effect and they indicated the bill would be sent to XXXX XXXXXXXX. I left and didnt hear anything until months later when the hospital sent the bill to me demanding payment. I called immediately to patient billing and explained forms were signed and the hospital staff were to send to XXXX. They never followed up and time passed and they never returned my calls to follow up. I dispute this medical debt- it is not mine the hospital assured me it would be paid by the agency. It was not. I have exhausted all attempts to resolve this issue.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

My card was having a great deal of trouble with their site being down and I could not access my account. Clients were told to call the XXXX number but that was also down. For numerous days. As a result if this outage I could not tell if I had paid off my balance and accidentally overpaid. It was because of the outage and inability to access my account at all for days that I chose to lock and then close the account. I did so and when I finally got an agent I was told the account was closed and what my refunded balance would be. Weeks passed and I got no refund check. I finally called and was told that my refund had been approved on the XXXX of XXXX and the check was being cut. I wait more weeks and still no check. I called again today and was told that my refund check had just been approved on the XXXX of this month, almost verbatim of what I was told last month by a different agent. In the end, I said 3 to 4 months to get my money was unacceptable. I was then told that if I called a special number and got my bank to send proof that I had paid my account off, then they could expedite my refund. They already know this. They have told me that repeatedly. As for expediting my refund, its already been 2 months. If I were to not pay my credit card for 2 to 3 months, you can bet Id be paying some interest. Why is the credit card company able to withhold my money for months, earning interest on it, and have no penalties? All I want it my refund in a timely manner. At this point they are saying XXXX. That is not alright with me. That is literally months late and they told me my refund was approved XX/XX/22. Please help.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

These revolving account were closed and or numbers changed for lost cards etc. 

I am unable to call them to close these accounts because their automated systems only allow me to access the current account that I use. 

I only have a {$800.00} credit limit that i can use. 

So this makes their reporting false. 

There also is no reason for them to report this on my credit report or have the accounts open, when i can not access them.
Consumer complaint received 2022-04-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello! 

I have sent documentation of my credit report to XXXX and Equifax to resolve incorrect information that has been reporting on my credit report. I will attach documents of everything that is incorrect and it is listed across all 3 reporting agencies. The amounts shows different balances, opening, and closing dates.
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (OH)

On XX/XX/XXXX I moved from my old apartment in XXXX Texas ( XXXX XXXX XXXX ) due to military orders. Before I left the apartment I painted and cleaned the place very well. I was sent a bill from the apartment complex a few days later stating that I would be charged for a new paint job, cleaning fees and my last utility bill. I told them I had no problem paying the utility bill but I did not think I should have to pay for new paint, because I lived there for 32 months with out ever receiving a new paint job and I had also repainted the place myself prior to me leaving the apartment. I was told by XXXX XXXX ( the management Representative ) that she would look into the issue. I never received a call back from her, instead IQ data international started to call me and harass me about the debt. On XX/XX/XXXX at XXXX I was speaking to XXXX XXXX at IQ data internantional data about my debt when his manager by the name of XXXX XXXX got on the phone and started to berate me about the unpaid debt and accusing me of " going around in circles '' I told the manager that I am willing to pay what I felt I owed but the manger just kept degrading me and accusing me of trying to avoid paying my debt. The way the manager at IQ Data international spoke to me is unprofessional, rude and degrading. I am concerned that IQ Data will not stop harassing me even after I pay what is the lawful amount of what is owed.
Consumer complaint received 2022-08-29
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The above sent me a collection notice XX/XX/XXXX XXXX XXXX XXXX XXXX says I owe them XXXX for items I ordered in XXXX, XXXX. The bill is addressed to : XXXX XXXX ... t XXXX XXXX XXXX XXXX XXXX, CA XXXX I never have lived in California! I had an account with XXXX several years ago, but I closed it and destroyed the card. Someone has my info and has used it to incur this debt. My home has been in Arizona since XXXX. I am reporting this to you because the collection agents said to report this to you.
Consumer complaint received 2022-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (CA)

I tried to contact the company through the website and keep getting 403 forbidden message. I tried to call and couldnt connect to a live person. I was just trying to contact them for an extension in repayment and now Im concerned that I wont be able to repay early and I will be responsible for all the interest, which is A LOT!
Consumer complaint received 2022-08-29
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. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.