davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

For the past three years my father and I have been paying back my student loans. We initially borrowed XXXX dollars and we now owe XXXX dollars because of interest. We have paid out over 13000 back towards the loan. My father is out of work, and I have been diagnosed with XXXX XXXX. I am not on XXXX but do not make enough to survive and pay loan payments. By the time the loan is paid off it will be over {$380000.00} dollars. They will not work with us to lower payments.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX  is showing delinquencies that are not factual, from a house that I use to own at XXXX XXXX XXXX XXXX XXXX CA. XXXX. Bank of America sold the loan and did not forward the funds in a timely manner to the new bank and it was reported as late. I paid both banks on time but it is damaging my credit by not being reported accurately. I have sent a certified letter explaining this to XXXX  and asked them to research and respond over 20 days ago I am still waiting to hear from them.
Consumer complaint received 2020-04-14
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. (NJ)

To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency XXXX, XXXX  and Experian. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 
1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached letters Ive written and submitted to all three consumer reporting  agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.
Consumer complaint received 2017-07-30
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. (OR)

XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, Experian & XXXX ), the accounts still show as open.
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (WA)

On XX/XX/XXXX I transferred both of my 2 open lines from XXXX to XXXX XXXX, thus canceling my XXXX account. On XX/XX/XXXX I received a phone call from a customer resolution expert XXXX for XXXX stating I had a balance due of XXXX for final charges. I made an appointment to make that payment and did so on XX/XX/XXXX in the amount of {$130.00} which is {$30.00} more than my regular monthly bill. I was assured this was my last and final payment needed. 

In XXXX of XXXX after I receive absolutely zero notifications of a balance due, a collection appears on my credit report from Amsher collection services for XXXX. I contact XXXX directly to obtain details on the charges due and am informed they are unable to give that information due to the fact that it has been turned over to a collection agency and I must contact Amsher directly. I continued by contacting Amsher directly, in which they inform me that they are unable to give me details just that it was final charges. They state that they will request the final bill be sent to me. I have also not received this notification. I again contact XXXX over the phone and am informed to go into an office and they can print out the billing and payment history for me. I proceeded to a XXXX store, where I was informed that their system can only go back six months and they are unable to help me. After reviewing my last bill of {$130.00}, I noticed that the address it is addressed to is incorrect ( pg 22 of 22 ) however my correct address is on the bill highlighted on page 2 of 22. Nobody is able to tell me what these charges are for or why I owe them after already making my final payment.
Consumer complaint received 2020-05-30
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. (FL)

I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX XXXX XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).
Consumer complaint received 2015-09-18
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (PA)

I contacted Lincoln Automotive Financial Services for a lease payoff on XXXX occasions. I was quoted a dollar amount. When the dealer called to confirm the payoff amount for my early lease termination, he was instructed to call the dealership I leased the vehicle from ( XXXX XXXX XXXX in XXXX ). The payoff amount quoted was {$1000.00} higher. I contacted the dealership and was told this was due to the early termination fee the dealership charges for terminating the lease early. I was not returning the vehicle to the dealership, it was being purchased by a new dealership. He could not substantiate what this fee included and when I complained, he agreed to lower the amount to {$500.00} ( which he stated was the early termination fee charged for customers who leased another Lincoln ). I reviewed my lease agreement and it does not state an early termination fee. There is only a warning that a substantial early termination charge may be incurred. I terminated the lease XXXX payments early. The individuals I spoke with at Lincoln Automotive Financial Services never informed me of this fee or the requirement to contact the dealer for the exact payoff. I believe this early termination fee is excessive and should be clearly stated on the Lease Agreement in order to be charged.
Consumer complaint received 2023-01-11
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. (CA)

I wrote to Equifax, XXXX and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureau claim that they completed a reasonable investigation with the furnisher of the accounts and verified XXXX XXXX that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account numbers XXXX & XXXX financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (OH)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

In the summer of 2019, Discover Card put balance on my account of {$10000.00}. 
There is no origin or where it came from, I have contact them 30 times, spending sometimes 2 hours on the phone with a manager. Even though they tell me they will investigate and call back, no one does. I have written letters, requested they provide me written documentation on the origin of the balance that appeared on my account but crickets. No one has ever responded. The only thing I know is they call it a ghost balance. It doesnt appear on my statements. All my payments since then only are applied to the GHOST balance so my balance of {$11000.00} keeps growing because all my payments of {$400.00} are never applied to my real balance. I requested a ledger of the payments, I keep requesting an explanation, documentation and terms but I don't get any information. I keep asking for the origin of the money and how it landed on my account. I have paid {$400.00} to {$600.00} payments for 20 months and it is going towards a mysterious balance they won't tell me how it appeared on my account. If you call discover, all the people say they have heard about a ghost balance but there is no information they can resource or explain, it is a white elephant. 

I have a credit score of XXXX, my credit score is at the forefront of my mind. I pay my bills. 
I have never been involved in a lawsuit. No one has ever sued me. I don't have any pending litigation or nefarious dealings. I don't have credit debtors after me to collect money. There is nothing that this would stem from.
Consumer complaint received 2023-01-11
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. (CA)

I wrote to XXXX, XXXX and TransUnion requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureau claim that they completed a reasonable investigation with the furnisher of the accounts and verified XXXX XXXX that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account numbers XXXX & XXXX financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (FL)

XXXXXXXX XXXX - HOMEDEPOT CONSUMER CARD REPORTED TWO LATE PAYMENTS WHEN I PAID CARD IN FULL IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C. 1681 SECTION 602 SAYS 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 REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mortgage Connect LP (TX)

On XX/XX/2024 I receive an envelop from Mortgage Connect on the inside was a paper titled correction to original recorded instrument. I have no personal knowledge of mortgage connect, after researching the company, it portrays itself to be a mortgage broker, and do title services for mortgage brokers. I investigated to see if the company is licensed in the state of Texas to perform title work and it is not. the police report for identity theft on mortgage connect, discovered that mortgage connect use my personal private information to steal the title to my home and a debt collection company with unlawfully refinancing my mortgage on my credit report. I have no contractual agreements with mortgage connect and never signed any documents with them. They do not have the right to put me in a new mortgage loan with a debt collection company.
Consumer complaint received 2019-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I received a collection call today from some about a credit card that I did not open or authorize. I viewed my online credit report via TransUnion. The TransUnion website says that allows online initiation of disputes, However the TransUnion website would not process my online dispute.
Consumer complaint received 2023-04-01
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: BARCLAYS BANK DELAWARE (CO)

A {$200.00} fraudulent charge was placed on my Barclays Mastercard account @ a XXXX XXXX on XX/XX/2023 in a city and store I've never been to. 

I was notified by text message " Free Fraud Alert '' that a {$200.00} fraudulent charge was placed on my account. I immediately notified Barclays to confirm the charge was fraudulent. 

On XX/XX/2023 I received a letter from Barclays stating that they reviewed the charge and changed their minds and put the fraudulent charge back on my account. 

I called Barclays back and disputed the charge to no avail. I sent several fax documents to Barclays with proof of Barclays original fraud notification text that they sent me and the police report I filed. They have ignored my faxed documents and will not give me an email or phone number to dispute the charge.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (TN)

This company AAFES has charged an obscene amount of interest on my card that I have not used in over 6 years. When I got out of service I owed roughly {$7000.00} and had to default on the card due to a pending divorce and returning back to college full time. Today they said on the phone I owe over {$11000.00} which isn't true. The card has been in collections ever since 2016 and I have paid this company the last 5 years over {$4000.00}. The total amount owed is not {$11000.00} ( The math on what I paid so far makes no sense. ) and they have refused multiple offers by me to settle this debt. I am prepared to take legal action if a fair and forgiving solution can not be obtained. I am trying to purchase a home and my lenders will not move forward with me until this is settled.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

USAA Federal Savings Bank provided a bank check for a car purchase. XXXX XXXX XXXX XXXX dishonored USAA 's check when presented by the seller. Neither bank will tell us what happened or fix the problem. Both the seller and I ( purchaser ) have had hours consumed with fruitless customer service calls and chats.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I've sent several letters to the CRA '' S concerning incorrect and unverifiable public information. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX or XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX  does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the courthouse and they assured me they do not report full social security numbers to third parties or make social security numbers public records. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy you must verify with the actual furnisher of the information. The law is very clear and states from the date of adjudication or date of order of relief. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. You have injured me in so many ways I can not count! See attached letter from the court!
Consumer complaint received 2020-05-30
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND MY CREDIT FILE IS LEFT TO SUFFER THE CONSEQUENCES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2020-05-30
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND MY CREDIT FILE IS LEFT TO SUFFER THE CONSEQUENCES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2023-01-30
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: BANKERS HEALTHCARE GROUP LLC (TX)

Back in XX/XX/XXXX, I received a letter from XXXX XXXX that indicated I had been apart of a data breach through their security system. I went in and registered my information with ResponseXXXX  during that time and had not heard anything since. 

On XX/XX/XXXX, I was reached out by someone at a local XXXX XXXX indicating that someone came in and tried to request an apartment application with a fake license and SS using my name. She reached out to me letting me know, during that time I put my name, credit, and information on ID Theft Protection website to ping me for any inquiries that were fraudulent. They denied the credit application, this was at apartments of XXXX XXXX apartments in XXXX. Since then I have not received any credit hits and assumed that this was a one-off occurrence. 
On XX/XX/XXXX, I received a hit from 4 inquiries on my credit application to purchase a vehicle from XXXX XXXX of XXXX with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. I reached out to XXXX XXXX and all 3 additional vendors and confirmed that the inquiry did not go through ; however, I notified the address on the inquiry was in XXXX, Texas. I started to XXXX the address and noticed that it was an apartment complex in XXXX called XXXX on the XXXX. I reached out and spoke to the office manager and he indicated that they did have someone living at the facility. I confirmed my name, date of birth, license information and SS with him and he did confirm that someone is there at the facility. 
He indicated that there was nothing that the apartment complex could do even through I am indicating that this person has used my identify to get an apartment. The only thing I could do was file a police report, which leads me too today. 

XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Number is pulling up as : XXXX XXXX XXXX
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANKMOBILE TECHNOLOGIES, INC (MA)

I requested that my XXXX XXXX account, offered by BMTX and held at XXXX XXXX, be closed on XX/XX/XXXX. I received a response from the depository institution/marketer on XX/XX/XXXX, falsely dated XX/XX/XXXX. In their response the bank claimed to have initiated a discretionary closure based on suspicious activity. 

The last activity in the account were withdrawals on XXXX and XX/XX/XXXX leaving a XXXX balance. The withdrawals were made in advance of my request for account closure. Both transactions were processed by the bank without inquiry, refuting any claim that the bank found them suspicious.