davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

Experian is not reporting all of my good revolving lines of credit. These items should appear on my credit report and they are not showing on Experian. This is the reason why my Experian score is 100 points less than both XXXX  and XXXX. Experian is reporting 4 lines of credit when I have 7 revolving lines of credit. See the attachment for what Experian is missing. This also impacts lenders seeing me as a thin file with Experian as they are only reporting 4 lines of credit. A thin file is less than 5, I have 7 lines of credit open.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I paid off my mortgage in full on XXXX ( Citizen One mortgage # XXXX XXXX. There were three payments made by my bank following pay off - XXXX, XXXX and XX/XX/20. The first two payments were refunded by Citizens One. However, the XX/XX/20 payment of {$2200.00} has not been refunded. Since it was paid using the automated bank to bank bill pay transfer with Check Free as the intermediary, my bank is unable to return the money. 

Citizen One claims that they refunded the money to Check Free on XXXX but to date has not provided any datils of the refund or trace #. I have spent hours of my time to get Citizens One to refund and am now working with Ms XXXX XXXX ( Customer Service Manager at Citizens One, email XXXX, phone XXXX ). 

I believe Citizen One lacks the process and checks in place address overpayments and has failed to refund the funds in a timely manner. Citizens One is quick at charging customers late fees but what about holding consumer funds for two months? who pays for teh consumer time and financial loss?
Consumer complaint received 2019-11-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (PA)

Im currently a single mother working full time. When I was XXXX years old back in XXXX I applied for college. Because my parents werent going to help me pay for it I planned on just taking a few courses and paying them as I go. When my father and I went to interview with school they informed us of applying instead for student loans. They pushed Sallie Mae ( Navient ) and a variable interest rate with a deferred graduation payback plan. While I was in school I got horribly sick in XXXX. I had to drop out because I was sent to XXXX  for XXXX  XXXX. The school didnt tell me that I would have to pay back every dime I borrowed as soon as I dropped out. So Sallie Mae suggested deferment they informed me that it wouldnt change my payments and that was however false. As soon as I deferred them my payments jumped XXXX more a month and at the time they were XXXX a month. In XXXX I had a short period where I didnt have a job and I started more schooling after moving to Pennsylvania so I contacted Sallie Mae ( Navient ) and they again suggested deferment because they would not work with me on income repayment plans and told me this was the only option other than badgering my family members for money handouts or they would send me to collections. The representatives were extremely rude and didnt offer anything except those options. So again my interest rate jumped after deferment and my payments this time increased to XXXX a month. I continued to pay on it and as they economy fluctuated so did my interest rate. Not only did the representative from Navient not inform my father and I back in XXXX when we signed up that a variable interest rate would always go up and never go down but they also didnt inform us that there was no cap to how high your interest rate could go. It started at 4.9 % interest back in XXXX which I was told was great. And in XXXX when I found out I was XXXX  with my son being a single mother with a full time job and a XXXX  XXXX  I had no choice but to defer my loans again because they would not assist me in any way and offered no help. So when I finished my XXXX  leave 3 months after deferment of my loans for the last time my interest rate jumped to 11 % and my payments jumped to XXXX a month! So not only did I have a XXXX  XXXX  to care for and pay for but I also had a very high monthly payment that I couldnt afford. Once I had finally had enough of Sallie Mae ( Navient ) I consolidated my loans with XXXX XXXX but Sallie Mae continued to charge me for 2 months even after XXXX XXXX paid them off. They threatened collections and I officially had enough of them. Be warned Sallie Mae ( Navient ) does not care about your well being and will take every dime you make.
Consumer complaint received 2022-03-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (KY)

I purchased a XXXX XXXX XXXX from formally XXXX now Bridgecrest XX/XX/XXXX I made a down payment of {$2500.00} on XXXX dollar car which should have took my balance to {$8300.00} however I ended up with paperwork saying $ XXXX I made all of my payments on time until running into hardship with having to get the car fixed as well as the car was picked up and serviced for a recall I reported to XXXX after few weeks that I had began to smell gas fumes I didn't feel safe continuing to drive the car I asked to be assisted in getting another car or returning the car I was told by XXXX that I could return the car when I purchased it if I was unhappy with no further obligations due to begin a buy here pay here lot when I tried to do so while looking for another car due needing to continue to get to work bridgecrest would not work with me and told me the information that XXXX XXXX gave me was inaccurate and that I still needed to make payments on the car even when it was in the shop so after not getting help I decided to return the car on XX/XX/XXXX there were issues after another with this car I was sold a lemon after the car was return the car was resold without notice neither was I given a balance all warranty contracts were canceled in XX/XX/XXXX and money was applied back to the balance of the car. there is no way possible that I should owe $ XXXX own a car that I do not have and this was thrown on my credit report with out proper notice this is against the CFPB however on XX/XX/XXXX I requested a 10 day payoff to see what the balance was after canceling all the auxiliaries that was never told to me that i was purchasing until I read the paper work the balance came to XXXX on XX/XX/XXXX as I was still making payments on this car before returning prior to XX/XX/XXXX there is no way that this should be on my report nor should I owe them anything I have reached out and tried to resolve with no resolution.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Trojan Professional Services, Inc. (GA)

The XXXX XXXXXXXX XXXX XXXX XXXX  debt of {$530.00} was paid on XX/XX/XXXX. 

The Trojan Professional/Dr. XXXX XXXX debt of {$210.00} was paid on XX/XX/XXXX.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: MoneyLion Inc. (NY)

XX/XX/XXXX and XX/XX/XXXX XXXX $ each day was trying to do an atm withdrawal and no money was dispensed. I try to call. The atm said that my bank has to do a dispute and the bank said that I have to contact the atm
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : My only and Legal name is XXXX XXXX XXXX, any other references to names such as the following must be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Also, please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. All other addresses are not accurate. Please remove these inaccurate addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX POWERS XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX POWERS XXXX AV XXXX XXXX XXXX FL XXXX XXXX These Personal information you are reporting are clearly inaccurate and I need you to cease reporting and remove such information from my Credit report as soon as possible.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

So this card is a store credit card I do own. I was a little taken off guard, because I did comtact Jcpenny and  told them my situation back in XXXX that I got laid off from a very good job that i've been working at a longtime. If they can work with me. The lady I wish I remebered her name told me don't worry so many people are in your shoes we understand just keep us informed. I told them once I get my finances situated I will call you back to figuire out what I can do. I love Jcpenny, I've been shopping Pennies since I was a child. SO for them to be on my credit report as a negative balance I was shocked I called them and told them everything. So since I found out that my Personnel Private Information is out there for anyone to grab. I pulled credit reports and saw JCP on there I called back fixed it all with the agent I can't remeber her I know I shouild of wrote it down. She was so nice fixed all my late fee 's basically she put my account back to normal. So it should all be good now. I ; m hopeing it is.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing this complaint to Equifax regarding the inaccurate information that's reporting to my consumer report. The creditors reporting the accounts and information its a violation of my right to privacy in which I never gave them consent to purchase nor share my personal information with anyone. I am asking Equifax to investigate and remove any account that doesn't belong to me. 



Violations committed by Equifax and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2020-11-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I rented a scooter for a day or two while visiting XXXX, XXXX in XXXX of 2018. The scooter rental company put a security deposit of {$230.00} on my card in case of damage. I was told that this security deposit would be returned a few days after I returned the scooter. 

I returned the scooter as instructed, in the proper place, at the proper time, with a full tank of gas and no damage. I took photos of the scooter upon returning it as well. I was told by a representative of XXXX XXXX that everything was fine and my deposit would be returned within a few days. A few days later, I returned to the United States. My security deposit was never returned to my credit card. I first reached out to the XXXX scooter rental company through email and XXXX. I was told that my security deposit would be returned in 30 - 45 days. Upon reaching out to them again through facebook, I was blocked. 

I contacted Bank of America to tell them about the fraud on my account and asked that they remove this charge from my credit card since this company scammed me. They refused. I asked for a response from XXXX XXXX with proof of damages. I asked Bank of America to get proof of damages from XXXX XXXX. Neither XXXX XXXX or Bank of America provided any proof of damage. All of my proof and documentation was ignored. 

Shortly after, it appeared that the scooter rental business shut down. 

After years of a good credit history with Bank of America, I decided to close my account with them due to this issue. I paid off everything except for the fraudulent charges.I maintain that these charges are fraudulent. I have documents with proof - photos of the scooter upon returning it, the company emailing that they would return the deposit, and more. 

At this point, the {$230.00} has now collected some interest on it. 

Bank of America is now reporting that I have a charge off on my credit history and it is affecting my ability to get open a card at another bank and may affect my ability to buy a house. This entire charge off is based on a fraudulent charge.
Consumer complaint received 2021-02-03
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!
Consumer complaint received 2021-02-03
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)

I just pulled my credit report, and discovered that a late payment was reported on XX/XX/2018 for my account # XXXX. 

Due to various circumstances at the time I fear that I would be unable to make my upcoming payments on time, because of this I applied to put the loan on forbearance which I was approved for. I was instructed that I would be debited a portion of the payment to activate it but apparently the payment was never received according to what a rep told me over the phone which is why the loan was not put on forbearance and why I have this late payment. They charged the wrong bank account! I did everything I was suppose to this is completely their fall and they wont take responsibility for it!
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (IL)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citibank issued me a credit card ( I believe it was in XXXX or XXXX ). Marketing campaigns enticed me into balance transfers. Credit limits were increased. Fees compounded. I was employed until XXXX when I lost my job XX/XX/XXXX due to XXXX safety dispute with employer, I tried to resolve a hefty {$18000.00} balance through XXXX that ended badly. Actual debt was significantly less and most of balance was Citibank fees. Unable to regain employment, I entered early retirement. Communications with Citibank resulted in little progress because Citibank charged off the debt XX/XX/XXXX. Citibank then sold the account to a debt collector in a bulk sale with many other accounts. The debt collector sued me in Supreme Court XX/XX/XXXX for non-payment. I never argued I didnt owe the account for items purchased. I argued marketing deception and exorbitant late fees and compounded interest on what I had purchased. The practice of allowing debt collectors to purchase charged off accounts with this type of activity only exacerbates the underlying deception. I am now on fixed income and unable to work, sinking further into an inability to dig out from under the cloud of debt. When lawsuit was filed with all three credit bureaus, any opportunity to restructure my financial profile vanished. Credit scores went from XXXX to XXXX where they will likely remain till my death. Something has to be done to allow an individual to find hope in recovery. There are so many XXXX when a company, like Citibank, can use a charge-off to better their financial profile while the individual account holder loses their ability to stabilize. My particular financial profile has suffered a domino effect to other outstanding loans and recent loan modification that increased term from 25 years to 40 years and decreased principle payments $ XXXX. I literally had no other options available and this loan modification created another layer of hardship but kept me from foreclosure. Yes, I believe it all began with Citibank.
Consumer complaint received 2021-02-03
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: TD BANK US HOLDING COMPANY (IL)

I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as of XXXX and has also cost me -45 points.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Have contact all three bureaus and advised that I was victim of identity theft and accounts need to be removed that I didn't apply for or use. Requesting that the remaining accounts need to be blocked and removed. FTC Report # : XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Fraudulent Inquiries/Incorrect Address To Whom It May Concern : I need you to correct the following inaccurate shown items in this letter which contains data taken directly from my credit report which you have provided. These inquiries are fraudulent. 
- XXXX # XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXXXXXX 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 XXXX XXXX XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S code 15 U.S.C 1681 ET SEQ. Section 604 of fair credit reporting act.

In addition, there are several inaccurate addresses reporting to my credit report that should be deleted immediately and updated with my correct address : XXXX XXXX XXXX, XXXX, GA XXXXOnce you have fulfilled my request, mail me an updated credit report reflecting these changes. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2020 I sent dispute letters to TRANSUNION i have yet to see my dispute results. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 


XXXX/DEPT OF ED XXXX XXXX XXXX XXXX US TREASURYXXXX XXXX US TREASURYXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-03
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. (MD)

Experian is reporting an account with XXXX XXXX closed in XX/XX/2020 that I have no knowledge of. I have never been contacted by this company regarding any said account via XX/XX/. This company is reporting false debt balances, information, or re-aging ... or a combination of all and Experian is illegally reporting false info and thus ruining my credit by not verifying properly.