davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-24
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. (AZ)

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$260.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report due to my identity been stolen.
Consumer complaint received 2021-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (MO)

I was in an accident that totaled out my XXXX XXXX XXXX in XXXX, I had purchased GAP insurance with the vehicle and it paid the remainder of the loan. Westlakefinancial then released the lean on the title and sent it to my GAP insurance company signifying the remainder of the loan had been paid. Unknowingly Westlake financial hadnt include my last payment due, in with the remainder balance, to be paid by GAP. Its been impacting my credit in a bad way for years now and they will not work with me to help resolve the issues.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Account was settled in accordance to agreed schedule 3 years ago, and was removed from report. Shortly after it reported open and derogatory and reporting late payments every month since settlement. 
Still shows on XXXX  and experian and shows many late payments that were added after settled as agreed. 
Was told by issuer that after settled it would be removed from report. Instead they continued to report late and damage my credit.
Consumer complaint received 2021-02-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.
Consumer complaint received 2021-02-22
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: JPMORGAN CHASE & CO. (AR)

I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2018 I paid {$2400.00} on my existing car loan, with the intent to pay them 6 months in advance. For the last 3 months they have been increasing the balance on my credit report instead of decreasing it. It went from being XXXX to now being increased to almost XXXX. How can that be? I have never missed not one payment. At this time I believe I owe less than what they are reporting and they are attempting to get over on me.
Consumer complaint received 2017-08-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OK)

Starting XX/XX/XXXX I have repeatedly contacted and asked for a payoff quote. Letters was sent on XXXX XXXX, 2017 3rd Fax was sent on XXXX-17 1. I requested one payoff and validation via Certified mail with Return receipt requested. 2. I sent FAX asking for a payoff request 3. They are on recording line stating had faxed information. Never faxed information. 4. Called back and they said they would fax it again. Never faxed information. 5. Per state requirement they have 7 days to provide information it is going on almost 4 weeks.
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

The account was mishandled by original creditor. I had full XXXX Medicaid and the company set up payment arrangements with me instead of billing Medicade now the debt was transferred to a collection agency bad debt not owed by me but should have billed medicade
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has devised an elaborate scheme to illegally charge its customers overdraft fees. It moves transactions around that happened the day before to the next day to better fit the scheme and illegally charge as many overdraft fees as possible.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PA)

This company Ability Recovery Service keeps putting this collection from XXXX XXXX on my credit report. I have never attended this school and they still havent shown any proof of me attending. XXXX deleted this collection but XXXX and XXXX claim that the debt is valid. How are they validating this debt? They arent doing there jobs and allow false collections on credit reports. Ability Recovery Service is violating the FCRA by false reporting and not sending any notices about this collection.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I and two of my family members ( 3 accounts in total ), we all are unable to access to experian score by logging in because after logging in, it take us to " Payment required '' because the card was expired and I was unable to cancel membership on all 3 accounts and put us on free membership and now we're trapped with no way to cancel paid membership and constant redirecting to Payment page.
Consumer complaint received 2020-06-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I submitted this complaint before, you submitted it to HSBC who reviewed it and said basically " It could take up to six months - good luck ''. They did not provide proof of when or who to my account balance was submitted. If this is the extent of action you can take then honestly don't see the point of your agency. The law regulating delinquent accounts was intended to clear up old accounts of people who had died or were truly unreachable. Financial institutions are either grossly misunderstanding the law or deliberately abusing it. If you haven't viewed an account in over a year they will send one letter, which may appear to be spam or simply missed, and then close your account and give the money to the state. A few repeated emails or phone calls or several letters would reach 99 % of people. 
I would expect you agency to take some action such as review how many similar complaints were at each bank and look into whether they actually submitted the money to abandoned property. 

original complaint : HSBC gave the remaining money in my account to abandoned property in Connecticut on XX/XX/XXXX. I have checked CT abandoned property and their is no record as of XX/XX/XXXX. I did not receive any prior notice by mail, email or phone call even though I've had the same address since XXXX. I had been receiving email notices up until XX/XX/XXXX saying that a new account statement was available.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NJ)

Early this year Synchrony Bank ( Gap Credit Card ) offered card holders a promotion. If one spent {$500.00} in XXXX to XXXX, inclusive, on non Gap purchases one would receive a {$50.00} Gap credit certificate. I did this, never received the certificate and eventually called the number on my credit card and was sent the {$50.00} certificate. 
The promotion was run again for the period of XXXX, XXXX, XXXX. Spend {$500.00} in non Gap stores and receive a {$50.00} Gap certificate. I spent the {$500.00} and again no certificate. I called over the summer and was told I would receive the certificate and that it took a couple of billing cycles. 
I am filing this complaint because I have not received the certificate. A short while ago I called XXXX and spoke to a representative of the credit card company who said there is no record of the promotion existing. At this point I can not the email offer. I called Gap customer service and they said it is a credit card promotion. 
Synchrony Bank can not continue to offer these promotions and then not follow through and them.
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Mortgage LLC (TX)

I closed on my mortgage on XX/XX/XXXX with Finance of America, LLC ( FOA ) for the loan amount of {$400000.00}. I confirmed with my lender that I can make a principal payment at any time after XX/XX/XXXX with no penalty, even if it is before the first payment was made. On XX/XX/2018 I  received a letter from FOA informing me that my loan has been transferred effective XX/XX/2018 and they will stop accepting payments from me on XX/XX/2018. 
On XX/XX/2018 I called FOA to inquire about making a {$200000.00} payment via wire transfer. They told me that they could not process my payment and advised me to wait until XXXX and send it to the new company. I told them that XXXX was three weeks away and that interest for {$200000.00} over 3 weeks at 5.25 % was a significant amount and that I wanted to pay now so I would have to pay that interest over three weeks. They told me that my account was inactive so they had no way of processing my check and advised me to hold onto it because that is all they would do with it if they received it ; they would hold onto it and send it to the new loan company at the end of the month. I told them that this was unacceptable.That my contract says I can pay a principal amount at any time. It does not say that there could be a three week waiting period in which you no longer will have a active account with any loan provider and thus will be without service during this time. I also believe that it is against the law to do this. They basically disabled my account and are refusing to service me, which will end up costing me hundreds of dollars in interest. They should have to process my payment because that's what my contract says. And if they can not do it -- or are unwilling to do it -- then they at the very least they should compensate me for the interest that I will be paying because of their negligent service. I would also expect to get some compensation for having to take hours out of my day to try to deal with this. so far I have spent three hours on the phone with them three times ( trying to get someone who could help me ), an hour on this page and XXXX  page filing complaints, and probably more lots more time until I get this rectified.
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial (MO)

We have been dealing with a company named Ameritech Financial which we believed were alined with our student loan lender and that the {$99.00} a monthly payment we were making was going toward our student loan debt. Recently Ameritech informed us we would have to begin making a payment of {$38.00} directly to our lender in addition to the {$99.00} payment we have been making to them since 2016. The impression we got was that they were part of our lending company so this new payment was confusing to us. We then received a letter from the United States of America Federal Trade Commission stating that they were suing Ameritech Financial and the steps we would need to take to file a claim.
Consumer complaint received 2021-08-08
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2020-06-27
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. (MI)

Under hard inquiries, XXXX  is still on my equifax report.This hard inquiry is fraud and unauthorized.I have disputed this several times and demand it be removed.I have produced evidence as well.Legal action will take place if this hard inquiry is not removed and my credit score doesnt increase
Consumer complaint received 2022-04-05
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: C/C Financial (FL)

To whom this may concern : Please validate the alleged debt referenced by the following account number : XXXX your company stated that a total balance was owed in the amount of {$7900.00}. 

If Preferred Lease still claims this debt is valid, correct, and accurate, please provide the following specific verification of records : 1. A copy of original contract with a signed application dated with my signature.

2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.

3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of $ amount is owed to Company Name.

5. A full ledger of accounting documentation.

6. Specific services and codes ( please include service codes ).

7. Please provide your Your State business license and articles of incorporation to do business in my state.

I hereby give Preferred Lease 15 business days to produce verification described herein this notice. If your company fails to produce the aforementioned documentation within the measure of this time outline above, then it will be assumed that the alleged debt is invalid and I am accountable for no more than XXXX dollars in regards to this alleged debt. Also please note, I will not accept anything less than a sworn affidavit under penalty of perjury by a custodian of record, employer by the allege creditor, affirming that the said alleged debt exceeds more than XXXX dollars. Please refrain from contacting me by phone or mail concerning this alleged debt until the aforementioned validation is satisfied. Failure to do so may result in me initiating a legal action and/or a filing an administrative complaint with the appropriated agencies including the Federal Trade Commission and the Consumer Protection Financial Bureau for furtheXXXX investigation. Thank you very much in advance for your prompt response. 

Respectfully, XXXX XXXX
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

National Credit System is attempting to collect an invalid debt on behalf of XXXX XXXX XXXX as I am not responsible for the {$1700.00} that they claim I owe them. I was an employee of the XXXX XXXX and was on a month to month lease agreement therefore my rent was automatically taken from my check every time I was paid. When my employment terminated so did my lease and I was allowed 30 days to move from the apartments which I did. After I left employment with them and moved out I never received any letter from the apartments stating that I owed any type of balance so I was under the impression that we were in good standing. On XX/XX/XXXX I reviewed my XXXX   credit report and noticed a third party collection from National Credit System on behalf of the apartments stating that I owe {$1700.00}. As I did not recognize the debt, have never been informed about the balance and have no knowledge what it could be for, I then sent a letter requesting debt validation directly to National Credit System on XX/XX/2018. I did not receive a response to my validation request and reviewed my credit report again on XX/XX/2018 and the account was still reflected on my credit profile and was not even updated to reflect that I was disputing the debt. On XX/XX/2018 I sent a dispute letter directly to XXXX   stating that I had previously requested debt validation from the agency which they failed to provide within 30 days of my request according to FCRA 611 ( a ) [ 15USC168li ( a ) ] .I also indicated that the agency also failed to update the account to reflect a disputed status. I did not receive a response to my direct dispute with XXXX  and on XX/XX/2018 I pulled my credit report again and found that although the account status was updated to reflect that it was in dispute ; I still have not received validation for this account and still do not know what the charges are for. At this time I would like this erroneous entry to be completely removed due to gross negligence from both National Credit System and XXXX in attempting to provide evidence that this debt is valid and accurate and belongs to me.
Consumer complaint received 2019-02-19
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: Experian Information Solutions Inc. (VA)

One or more banks ( credit unions and mortgage accounts ) may have improperly reported the number of accounts opened, paid, closed, etc. by XXXX XXXX XXXX. However, attached is the correct account information that is requested to be provided to the Federal Service Desk ( SAM.GOV ) for registration purposes and in regards to having funds deposited.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I would like to submit an address update to my file, The only addresses that should be on my report are XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. 
The other addresses need to be removed immediately as I haven't lived there in over 10 to 20 years. No accounts are relevant to those outdated addresses.
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

On XXXX XXXX my wife and I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. I co-signed with my wife on the loan financed through Chrysler Capital, I believe we may have qualified for a interest rate than the one extended to us of 22+ %. During the pandemic I have made several attempts to refinance the vehicle for a better rate only to find out the LTV is to high. My wife was able to defer a few payments but that only makes the situation worse with the very high interest rate. We still owe approximately same amount on the vehicle as we did when it was purchased almost three years ago. I reached out to Chrysler Capital trying to get them to restructure the loan which they declined. I reached out to the President/CEO of the parent company on XX/XX/21 which he passed along to a lower level management team that still denied the request only offering to defer the loan more and that would not help the situation. They advised me they do not refinance there own loans and I should seek help from an onside bank. I advised them the issue is not wether or not I can refinance its the fact the the interest rate given to us did not allow us to gain equity in the vehicle, making the loan almost impossible to repay if there is the slightest issue and you need a deferment or miss a payment. If we were to defer a payment for two months that equates to {$1000.00} in interest added to the loan. We are unable to refinance or trade out of the vehicle because of this.
Consumer complaint received 2020-09-14
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)

MY INFORMATION WAS USED TO OPEN THIS FRAUDULENT LEASE ACCOUNT THAT I DID NOT OPEN SOMEONE USED MY INFORMATION TO OPEN THIS LEASE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.