davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I have contacted Navient on XX/XX/XXXX and spoke with 3 representatives - one was a supervisor. I noticed that my overpayments were not being applied to principal but only a credit towards the next months payment. I read Navients repayment allocation statement which said that they will apply overpayments to next months paymnet unless otherwise instructed. I called to instruct them otherwise. All 3 representatives assured me my payment was being applied to principal and that it 's a " computer glitch '' that shows a reduced payment. I then read them their own company 's statement with payment allocations. They still said the same thing. None of them could or would help to get my overpayments applied to the principal and not a credit towards next months payment. The supervisor told me the only way to avoid this problem is to enroll in auto debit and make another payment the same exact day they auto debit my account. I do not want to enroll in their auto debit. I 've asked to have my overpayments applied to the principal and they have refused to do so. Not one of them could explain to me how an overpayment could be applied to principal and reduce my monthly payment and none understood their company 's statement of how payments are applied. Navient is preventing customers from paying off their loans early.
Consumer complaint received 2020-05-17
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: Experian Information Solutions Inc. (FL)

I checked my credit and saw an account for XXXX XXXX XXXX  for XXXX XXXX. So, I contacted XXXX XXXX  and paid them in full. I filed a complaint with XXXX  and awaiting account deletion of the trade line. The confirmation number for the paid debt is XXXX and the original XXXX XXXX  account number was XXXX.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: QUALITY ACCEPTANCE LLC (AZ)

I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( quality acceptance ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX XXXX Which is more than the original purchase price. As of today we owe approximately 14,000 and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California
Consumer complaint received 2020-09-20
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: Experian Information Solutions Inc. (FL)

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *XXXX , XX/XX/2020, *XXXX XXXX XXXX , XX/XX/2020, *XXXX XXXX, XX/XX/2020, *XXXX XXXX XXXX, XX/XX/2020, *XXXX XXXX XXXX, XX/XX/2020, *XXXX COUNTY XXXX XX/XX/2020 . These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Consumer complaint received 2023-01-10
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: Bread Financial Holdings, Inc. (FL)

This bank, Comenity Capital Bank, has been harrassing me since the last year when I closed the account with them. I made the last payment of {$100.00} and request to close the account on XX/XX/2022. 

Since then they are still and continually harrassing me with late charges, even though, I request the closure of the account. 

Im tired of this situation. Previously to this, I filed bankcruptcy and this bank was included in the bankcruptcy. They all the time are over me harrassing me. 

Please intervene so they stop this practice.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NC)

In XX/XX/XXXX I purchased several items online from XXXX using my TD Cash Card. One of these items was on backorder and didn't ship until XX/XX/XXXX, which was posted on my XX/XX/XXXX statement. This was for {$9.00}. Since I was not using this card and since I had electronic statements I neglected to pay this amount on time. Once I realized this mistake I promptly paid this amount in full on XX/XX/XXXX. However there were late fees charged to the account so on XX/XX/XXXX I call TD Card Services and they agreed to waive a number of the late fees and we agreed that if I sent them an additional {$9.00} this would settle the account. Again, I have not used this card since XXXX, XXXX. I promptly sent them {$9.00} via electronic check which credited my account on XX/XX/XXXX. 

Today, XX/XX/XXXX I received a notice that my account balance is now {$130.00}, all late fees and interest in late fees.
Consumer complaint received 2020-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ascendium Education Group (OH)

I was looking over my credit report and noticed that there was inaccurate information and need it to be removed due to debt paid full. Listed below are the accounts that are showing inaccurate and paid in full. 
Accounts : ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX
Consumer complaint received 2020-06-02
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-05-06
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. ()

Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX  XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXX XXXX-Inquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX  XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 14 ) XXXX-Inquiry date : XX/XX/XXXX 15 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXX XXXX Inquiry date : XX/XX/XXXX 22 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX Please find attached documents, in case if you did not receive attachments below is the link to download them. 


Below is the link to documents for confirming my identity : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-28
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. (CA)

The only address I have lived at is XXXX XXXX XXXX XXXX. I have not lived at the other address listed. 

I also was never employed at XXXX. 

I have never opened a XXXX XXXX Account which states that one payment was made and the account is closed.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NV)

I was the victim off identity theft, identity account takeover and merchant Spoofing of fraulent charges on all my credit cards. I first discovered this was happening in early XX/XX/XXXX and thought it was related to my wallet and cellphone being stolen in early XXXX and another break in into my vehicle on XX/XX/XXXX where they took my XXXX, phone, us and XXXX passports and credit cards checks and drivers license. Upon reviewing my statements in Ja usury and XXXX I noticed that although my credit card balance was about where it should be there was both significant more charges and more payments. In essence someone was making extra charges on my account and then using my checking account details to pay for it. As such I immediately reported the fraudulent charges to all my banks and most have refunded the fraudulent charges already. I initially indicated it was related to the two thefts in XXXX. At first I thought these fraudsters went to the stores with my credit card and successfully made a fraudulent charge. These fraudsters which included my former employee that I discharged in XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX and later XXXX XXXX XXXX and others. They are very sophisticated cunning individuals that opened merchant accounts with XXXX and XXXX and fake stores that they could easily change the merchant info on the statement I receive using the XXXX XXXX. My bills would show fake store numbers. So when I typed in one of those fake store numbers XXXX XXXX, I discovered that thefraud started after another XXXX and phones were stolen in XXXX and XX/XX/XXXX. 
I then reported the additional fraudulent charges to my financial institution and most reimbursed those charges as well. DiscoverCard however requested I amend my XXXX police report or make a new one about the earlier thefts in order to get the reimbursement, I promptly made the additional report sent it to Discvercard but as of todays date have not been credited for the fraudulent unauthorized charges which Discover Card offers a zero liability. Discovercard also closed my account as when I caught the fraud I needed to close my bank account and the  fraudsters had been using my banking details in their attempt to prevent me from finding out or asking why my credit card bios are so high. These fraudsters were able to lock me out of my emails to.
Consumer complaint received 2020-07-22
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. (NY)

To whom it may concern I have been loyal customer to XXXX XXXX  credit card for over 5 years and during the 5 years I never missed a payment under any circumstances and been paying higher interest to them and fees more then XXXX $ over the years. Recently and when the covid 19 pandemic had started in XXXX I lost my job like to many New Yorkers and lost my uncle due covid 19 and I had the worst Financial situation in my life I called my bank begging for help and trying to explain to them how bad is the situation here XXXX at the time but they werent even ready to hear my story they said we can help you because you late already 20 days or so. that call was made In the middle of XX/XX/2020 and they said there is nothing we can do to help you. You still have to pay us the high interest and the late fees otherwise we will report you to the credit agency as a missed payment. also, I called later on XXXX to beg them to not report me as missed payment after they report missed payment for XXXX their answer were the same I begged them to report me at least as ( affected by the pandemic ) not missed payment and yet they refused and were so heartless and money hungry they were waiting for 5 years to do that to me. 5 years of perfect payments which they didnt like because they couldnt charged me higher interest then which is already high 24 % interest rate. Please help to stop these big bank who took advantage of me because the pandemic and destroyed my Financial history. These big bank didnt follow with care act specially XXXX XXXX with I had to beg for help that I never got from them .and kept reporting me as missed payment like I choose to to miss payment and they forgot it was all out my control and I was a victim of a natural or declared disaster. Nevertheless, I called Experian to ask for their lawful help and my right from the CARE ACT but they werent helpful at all and rolled for the big bank favorite and said even tho it was pandemic you were still have to pay them the only time you wont have to be them its if you dead.
Consumer complaint received 2017-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (CA)

For the past four months they are not supplying the balance or payoff amount to keep the consumers as my self in the dark. They are collecting payments and not crediting the accounts. When asked for my loan balance no one knows. The company keeps saying they are upgrading their system so they can not supply me with my loan balance.
Consumer complaint received 2023-02-21
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

FAIR CREDIT REPORTING ACT/REGULATION V. Section XXXX of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

I've disputed the accuracy of my payment history on XXXX of my capital one accounts. Disputes made through each credit reporting company and all continue to come back verified as accurate. I've sent certified mail and called reguarding this information and requested documents that show the verification. I have yet received and documents and the inaccurate reporting still shows on my credit profile. 
Delete the late payment history and update the accounts and report them properly to all XXXX credit reporting companies. XXXX, XXXX, and XXXX, each credit reporting company should all have the same exact information nothing should be different.
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Consumer complaint received 2023-02-22
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: Bread Financial Holdings, Inc. (MA)

In XXXX of 2022, my AAA Visa card was owned by XXXX  XXXX XXXX. I disputed a charge and notified bank. In XXXX, XXXX  XXXX XXXX resolved dispute and sent me a letter confirming charge would be removed. 

In XXXX, 2022, Comenity Bank took over this card from XXXX  XXXX XXXX. They sent my account to a collection agency saying I owed for the XXXX, 2022 charge plus interest. I sent Comenity ( by registered mail ) proof that this charge had been resolved by XXXX  XXXX XXXX. Comenity sent me a letter saying that since they received notification for the XXXX charge in XXXX, I was not eligible for the refund. 

Comenity was NOT the bank holding the card in XXXX of 2022. XXXX  XXXX XXXX was and they resolved the issue. Comenity resurrected a dispute for a charge from another bank and are ignoring my proof that it was resolved.
Consumer complaint received 2017-08-08
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: Convergent Resources, Inc. (FL)

On XXXX XXXX 2017, I attempted to gain verification and validation of the debt via XXXX credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # XXXX
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Prior Covid-19 all our payments were automatic and never been a day late. When everything started we got a deferment letter from XXXX XXXX that would release us from payments of XX/XX/XXXX and XX/XX/XXXX with the new payment date at XX/XX/XXXX and supposed to be automatic accordingly with the conversation over the phone. But unfortunately it didn't go thought and it was reported 30 days late by the company. We only received a call after 30 days late and made payments of late and current month while we spoke with the person over the phone ; they were demanding a credit or debit card over the phone and we said no because we were at computer and this person got upset regarding that ; We deny provide a card over the phone due we were capable of make payments at same time we spoke with them. Week later it shows up on our credit report as 30 days later. We never been a day later on any account with them and we are about to replace the car with the same company which makes me wonder if I should do because what's happening.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (FL)

I 've been calling every few months to get a timetable of when the cutoff is before I get charged all the back due interest on my BARCLAYS XXXX  CREDIT CARD. They push you to go paperless and auto pay so you do n't see your bill, and then they do n't inform you that you 're about to be charged all the back due interest. I missed the day by 4 days from just randomly calling them and they charged me almost 300 in back due interest. It 's a scam to do everything to get people to not look at their bill and then not inform them that the interest date is coming up.
Consumer complaint received 2020-11-03
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: Experian Information Solutions Inc. (MD)

My identity has been stolen and someone has applied for credit to : US SM BUS ADMIN ODA I have contacted them and they notified me to contact Experian to remove the application from my account
Consumer complaint received 2020-06-02
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. (CA)

These accounts were deleted from my credit file because i was a victim of identity theft but this one account, XXXX XXXX XXXX XXXX just reappeared last week and dropped my credit score.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (OR)

In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.