davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
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 (TX)

This particular account situation that is lately filing on my own credit document has aseriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AK XXXX ; XXXX XXXX XXXX XXXX XXXX WV XXXX ; XXXX XXXX Balance : {$98.00} ; XXXX XXXXR XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-31
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following hard inquiries listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XX/XX/2020 TRANSUNION - XXXX XXXX XX/XX/2020
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (MO)

YOUR BANK KEEPS LYING SAYING YOU CANT VERIFY ME FOR MY PPP LOAN EVEN THOUGH YOU HAVE THE SBA NUMBER AND YOU WONT LET ME OPEN AN ACCOUNT SO I ATTACHED THE DOCS TO A 3rd PARTY MEDIATOR. If you lie to them and say you cant verify it your responses will be used to file a state action against you in court for damages to my XXXX   in the amount of the loan we are loosing out on. I have sent the bank information already but I attached verification and statement again. We are a XXXX XXXX that gets paid cash for XXXX  and have XXXX  that are on wages who book these cash gigs for XXXX in XXXX. We cant work due to covid shutdown. We are a XXXX minority XXXX XXXX with XXXX XXXX employees who need these paychecks which we cant pay without bars and restaurants being opened. XXXX XXXX fought so companies like ours without a banking relationship dont get left out and you are now doing exactly what she was afraid would happen. You have my loan number and information but you are not releasing our loan because we are a XXXX XXXX XXXX and that is unfair! We have set up banking for this loan and 60 million was set aside for companies like ours. I demand you send me my loan amount immediately.
Consumer complaint received 2019-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

Navient has repeatedly been calling my mother in law who is XXXX and when she did not answer, they started sending letters. Not once have they reached out to me or my husband. This is all a scam. They need to be stopped
Consumer complaint received 2021-04-26
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. (AZ)

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MA)

I opened a high yield savings account with Citibank XXXX and deposited {$200000.00} on XXXX XXXX 2020. Citibank shut down my account shortly on XXXX XXXX without contacting me in any way and did not provide any methods to return my deposit. I contacted their customer services to let them know I need to pay bills using the money stuck in this account. And their customer services agent did not know anything except mentioning I would receive a snail mail letter explaining why my account is shut down. They can not provide any information about how I can get my money back. This is very frustrating and put me in financial jeopardy given the urgent need for paying bills.
Consumer complaint received 2020-09-19
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. (FL)

Ever since the state of Florida went on lockdown from the XXXX Virus, approximately XX/XX/2020, while most consumers may have been focused on their job and finances, I have been focused on addressing the errors on my credit report and trying to improve my credit. I'm aware that the bureaus have 30 days to respond to a complaint. This is required by law. I'm sorry that they may be affected by the pandemic, but this is how the law reads and I'm a consumer that still needs help. I have submitted several disputes since XX/XX/2020 and have received no response through the US Mail. I tried to file a complete through this platform, a while back, but they just told me they are ''still working on my file. '' I'm assuming the XXXX XXXX department is getting overwhelmed with complaints. I have waited patiently the 30 days each time I have submitted disputes with each of the 3 bureaus, but have not received any response, communication of delay, or even explanation as to why they are no longer helping consumers with their credit concerns. I am considering taking further action to get this resolved. I have rights also as an American citizen.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (PA)

Fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-19
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: Navient Solutions, LLC. (NC)

Navient, I have multiple loans through them dating back to beginning payments in 2008. In all fairness, I should absolutely receive credit for paid on time balances dating back to the actual loan originiation date. The last four digits of my social security number is XXXX.
Consumer complaint received 2020-09-19
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. (KS)

XXXX is a company who engages in mortgage fraud and deceptive business practices. 

Since XX/XX/2020, all mortgage payments have been paid on time, however this company has continued to report missed payments and an increased mortgage balance. 

On XX/XX/2020, I received a credit alert from Experian indicating that my mortgage balance increased almost {$3000.00}. No payments have been missed and I did not request any mortgage assistance under the XXXX XXXX relief program. In fact, I specifically sent written correspondence to XXXX that I did not seek any such assistance and that I expected my payments to be reflected as paid on time. 

XXXX is a crooked shady company and has been the subject of a several consumer fraud lawsuits. This company needs to be investigated by federal and state agencies. ( please see the attached alert ). 

This company continues to violate the Fair Debt Collection Practices Act. 

I can produce a cancelled check and/or bank draft for each and every monthly payment
Consumer complaint received 2020-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

In XXXX XXXX XXXX and I sold a property in XXXX XXXX Georgia. We owned the property and there was money left in Escrow. Recently when I checked our post office box in XXXX XXXX Georgia the checks were in the box but the envelopes were damaged. The checks had past the 180 day mark and now were to old to cash and they have not been cashed. I have contacted XXXX XXXX XXXX which is now PPH motgage and have not gotten a response for 6 months now. I was told to send copies of the checks to the research department which I did twice and faxed copies numerous times. It is now XXXX and we still have not gotten replacement checks for our money in escrow and every time I call they say it will be looked into.Still nothing.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SLM CORPORATION (NY)

I applied for a SallieMae credit card offer through an e-mail solicitation ( XX/XX/2021 ) promising a {$200.00} cash reward after spending {$1000.00} in the first three months. Upon approval, they had switched the reward to a 2.5 % bonus in a thoroughly confusing approval screen. I had to wait four months and after not receiving the {$200.00} cash reward I spent endless phone calls an e-mails with their reps to no avail. They only kept repeating I had accepted the 2.5 % bonus when I had an e-mail saying NOTHING about a 2.5 % bonus bit it DID offer the {$200.00} cash back. They refused to even look at the e-mail. And, BTW, they are NOT EVEN paying out the bonus at 2.5 % -- it's only been paid at 1.25 %.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed these inaccurate reporting with TransUnion, XXXX and XXXX several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX TransUnion and XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX account XXXX TransUnion is reporting an open date of XX/XX/XXXX, XXXX is reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX TransUnion is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX TransUnion is reporting opened on XX/XX/XXXX, XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX XXXX account XXXX TransUnion is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX XXXX XXXX. account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX  account XXXXXXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are TransUnion, XXXX and XXXX considered furnishers? These are not my accounts and TransUnion, XXXX and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2020 XXXXXXXX XXXX  received a letter from me addressing the fact that they were in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I sent subsequent letters to XXXX XXXX on XX/XX/2020 and XX/XX/2020 both addressing the inaccuracies on my credit report. Although XXXXXXXX XXXX responded to one of my letters, they never advised the Credit Bureaus of my direct dispute to update the comment section on my account. The account has never stated that it was ever disputed as required by FCRA laws. I sent XXXX and Experian documented evidence and a letter dated XX/XX/2020 notifying them of XXXXXXXX XXXX   violation of FCRA Section 623 ( a ) ( 3 ). Both companies did not take action and gave me no response to my dispute.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

In XXXX of XXXX, I made a payment by phone to XXXX XXXX/Comenity Bank to take care of an outstanding balance. My online account could not be accessed for reasons unknown to me. Since I could not see my account, I paid the amount the agent told me was due to make sure my account is paid in full. It appears that amount was incorrect that I was told. 

FYI, Comenity has discontinued the XXXX Credit card so it is reported as a closed account for this reason. But the impact to my credit is very much current. 

This has a resulting in a late payment, the only one across 43 accounts in over 11 years. 

I wrote to XXXX/Comenity and shared this mistake with them via their messaging center within their payment platform. I asked for the late payment to be removed. In XX/XX/XXXX, A XXXX XXXX responded assuring me the payment would be removed as I requested. Instead, the late has remained and that conversation no longer displays in the XXXX/Comenity secure messaging center. I have contacted the company regularly, as recent as XX/XX/XXXX. Instead, I receive no response to my request, however the company adds further negative comments to my credit report, which have decreased my credit score. I have disputed this with the credit bureaus but Comenity responds that it is accurate, although XXXX XXXX responded that it would be changed due to their mistake, and the negative impact to my credit continues. 
I would like the 1 late payment they made due to an error on their part of failing to notate my account properly removed.
Consumer complaint received 2017-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I am a XXXX XXXX so I am part of the PSLF program in order to have my loans forgiven. Part of that process is re-certifying my employment and income each year. On XXXX XXXX, 2017, FedLoan Servicing stated that my new payments would be {$470.00}. I called in to confirm that my employment verification was also received. The person on the phone told me I could have an even lower payment amount if I switched to the REPAYE program and that it was still one of the covered plans under PSLF. I certainly would love a lower payment so I switched. Today, XXXX XXXX, 2017 I received an email that my new monthly amount was {$790.00}!!! Almost {$300.00} more than my previous payment. I would have NEVER switched plans if this was going to happen. FedLoan Servicing said they made a mistake in their original calculation of {$470.00}. I want to go back to my old plan and my old monthly amount.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

I opened a credit card at XXXX! for a Gift of DRUMS for my high school students. I guess when I opened the card! they decided to also give me card Security? NO DISCLOSURE of fees as they are different every month?? I do not remember anything like this in the application of the card. ( Woodwind and Brasswind/ SYNCB ). Account opened on XX/XX/XXXX. Now I never got my CARD RIGHT AWAY. I got in XXXX only rec 'd e-statement which I did not choose either! Now that I can see my statements I saw all the monthly charges on it XXXX {$25.00}, XX/XX/XXXX {$24.00}, XX/XX/XXXX {$24.00}, XX/XX/XXXX {$24.00} XX/XX/XXXX {$23.00} Like I said NO REAL DISCLOSURE!! Call my customer service with Synchrony Bank about the charges and FRAUD they stated that its a different company that does the charges and that it was part of the application process and that synchrony bank has nothing to do with it. Well I was lied too two times by this company! After being told to call the XXXX # on the statement being told oh you picked the security on the application and I stated where is the disclosure of this and I wanted a copy of it. they decided to REFUND me today {$120.00} to show up on my NEXT Statement Conformation # XXXX By XXXX XXXX XX/XX/XXXX. I then asked her for the full Name of the company that she works for which blew me away!! Its Synchrony Bank .Now I was Just lied to By the customer Services Department and their Fraud Department Both told me that Synchrony Bank has nothing to do with it??? This is Fraud at its highest level to consumers of Synchrony Bank and it needs to STOP as you can see they can charge people any amount they want!!! NO DISCLOSURE OF FEES or that you will be charged! I wait for my refund but I feel for the Rest of consumers that were or are being ripped off as well. Maybe a class action law suite is needed to protect Consumers from this company! with its lack of disclosure on the applications. 
Thank you XXXX XXXX