davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (VA)

every time i try to get a line off credit on my checking account navy federal refuse to give me on this is not the first i have tried so many time i have been a member with them for over 40 years, to me they are so hatefully company and they don't care about they customers its all about they money especially the CEO XXXX she don't care. and its sad
Consumer complaint received 2020-11-23
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 discovered information in my credit report, which is not mine. I would like to immediately dispute and have investigated. I think that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2019-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I’m a XXXX XXXX year old XXXX era vet prequalified for a mortgage refinance. I have never been late for a mortgage payment in the last nine years. I pay online using XXXX, my information is stored automatically. I made my XX/XX/XXXX payment on the XXXX of XXXX, found out several days later it did not go through. I made another payment on XX/XX/XXXX, it did not go through either. Your help with this matter would be greatly appreciated. Thank you, XXXX XXXX XXXX XXXXXX/XX/XXXX  confirmation # XXXX.              XX/XX/XXXX confirmation # XXXX
Consumer complaint received 2020-08-24
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. (CA)

XXXX XXXX XXXX  charged me for some device ( a XXXX I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, TransUnion continues rating my credit at XXXX, XXXX XXXX and XXXX XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.
Consumer complaint received 2023-03-10
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: SYNCHRONY FINANCIAL (FL)

I recently went to a XXXX XXXXXXXX for XXXX XXXXXXXX and I chose carecredit to pay for the XXXX XXXX that I would need to resolve this health issue. I was told that I could pay {$65.00} a month for 2 years with no interest if I used carecredit. 

I received an electronic bill and I paid the {$65.00} on XX/XX/23 as I was told to do. 

A few days later I checked my checking account balance and I was charged for the full {$1900.00} by CareCredit. I called CareCredit and I was told that I would be refunded the {$1900.00}. In the meantime, my balance had dipped below {$0.00} and I was started to receive overdraft charges and it was cascading into affecting my credit cards and my financial profile. 

A week later I still did not receive the {$1900.00} refund that I was told I would be receiving. I called again today, XX/XX/23, and at first I was told that there was no record that I would be receiving a refund. The person that I spoke to then spoke with a manager and told me that the funds were on hold, that it would be released tomorrow, and that it would take 5 days for it to be sent out. 

CareCredit mischarged me for {$1900.00} in a quick second and now it is most likely taking over 3 weeks to get that refund. This is unacceptable for a credit card in this day and age. 

Please let me know what else that I can do as CareCredit, I thought, was a company designed to help people pay for medical/dental services that they would otherwise be unable to afford. I would never have even purchased this dental appliance had I known that I had to pay for it all at once. I did everything that I was supposed to do. CareCredit has not.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc. (UT)

Was initially contacted my a debt collector to collect a sum of money over {$9.00} for repairs to an apartment I used to live at. I vacated this apartment over XXXX year ago and my ex wife was the one remaining there. After move out in XX/XX/2021 I we were told we would be contacted with the final amount owed which never happened. I contacted the landlord about my security deposit and was told I would be called back. Missing the call back they left a voicemail stating the only amount I owed to them after move out was around {$500.00} for pro rated rent which was taken out of my security deposit along with a small repair. I didnt think much of it until XXXX years later I get a call from a collections agency saying I owe over XXXX for initially what was a flooding repair. I stated I have email proof emailing for maintenance to come out to fix the problem and each time they came they couldnt find anything wrong. Eventually the pipes burst multiple times over the years because of bad and rotted plumbing and they tried pinning that on me after move out so when I questioned it then the story changed to the reason for the collection is instead now carpet and a couple blinds. I dont know where in the world a small XXXX bedroom apartment that had only half of its square footage actually carpeted costs over {$9000.00} nobody wants to give me an exact list of repairs or charges and I was only notified about this until it hit my credit and ruined it.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit file : 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 2021-05-30
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: CITIBANK, N.A. (TX)

On XX/XX/2017, an unauthorized charge of {$9700.00} was made to my Citi MasterCard. I notified Citi customer service immediately upon receipt of the statement, and was assured that no further actions were required by me to resolve the problem. I filed complaint # XXXX with the CFPB that I have been denied relief. In their response, they dont deny that the charge is unauthorized. Instead, they deny responsibility for obscure technical reasons, which do not change the guarantee made to me by them that I am never responsible for unauthorized charges. I accepted the instructions given me by their customer service department as legitimate. If they were inadequate or improper, the liability for that should lie with Citi, not me.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (TX)

I have a creditor falsely reporting delinquent account and late payments every month, even though they agreed to a settlement and the terms of the settlement are being met with my monthly payments in full and on time. I called them and tried to get them to report correctly but they said they will continue to report payments late each month, even though I am making all payments on time and in full each month.
Consumer complaint received 2021-05-30
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)

I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Equifax. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XX/XX/2020 ( I will include these receipts ).
Consumer complaint received 2021-11-29
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)

Im filing this complaint because back in XXXX I sent trans Union a letter lettering them k now I checked my credit and noticed accounts on my credit that did not belong to me. They have not fixed nor have the replied to my attempts to correct my reports. The accounts that are included are : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Please have them delete this information form my report
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I not only have tried to take care of this through USAA but I have also sent in writing a recap of what all has transpired to you the Consumer Protection Agency in which I mailed XX/XX/2021. I had sent USAA two prior notes with no response back in writing. As noted in my correspondence to you and USAA, I have always had impeccable credit and pay all my bills in time and very disappointing and frustrating that this has not been taken care of and has affected my exceptional credit rating and report. 
Please let me know if you have opened and read my letter that was mailed to you that explained the situation. 
This has been very frustrating for me that no one takes care of their business. I owned a business for years, and if I would have handled my business like this, I would not have lasted a month. Very sad where service and accountability with this country have gone. 

XXXX XXXX
Consumer complaint received 2020-05-12
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: Bread Financial Holdings, Inc. (CA)

As of XXXX XXXX I called in to make my minimum amount due on my account. I discovered that I was being reported late to credit bureau XXXX and XX/XX/XXXXdays past due. 

I enrolled in an hardship program. When I call the automated line it says nothing due, no minimum amount due. I spoke to several people on XXXX XXXX with different stories. 

The first department insisted that when I call in, it is not reflected correctly. I indeed have a past due of XXXX dollars. The lady was getting irate so I asked to transfer. I called back and was given to the hardship line. 

The lady said it was kind of confusing to explain what was happening to my account but she basically said that when I enrolled in a hardship program in XXXX, that the system was doing it for the next billing cycle ( not with my knowledge ) and that is why my account was being put in the bucket of past due. She indicated even though I was paying the min amount due it really was not the amount due. I paid XX/XX/XXXX what it said my min of 10 would be and my payment is due XX/XX/XXXX. I was marked ay 30 days late because even if the phone system said 10 dollars my payment really was missing an extra 10 dollars and some change. 

I said that this was unfair and I would like them to open a dispute. She indicated that they are not trained on credit and how it works so she could not do anything but direct me to this address to dispute : XXXX XXXX XXXX XXXX ohio XXXX I believe this company practice is unfair. In enrolling in a hardship program they said my min payment would be reflected. They did not tell me of next billing cycle. I believe a company should fairly also tell you what is past due. If their own system is telling me that my payment due is 10 dollars, I hit pay that. If it told me 20 dollars I would of happily hit that too. I don't believe it is fair for wayfair associates to tell me that the phone system I call in to make my payment is wrong- I clearly call in and that is what it tells me to do. If it is wrong, then wayfair should own up to advertising me the wrong amount due. 

I have asked this to be emailed to me, have asked to be escalated a supervisor but they indicated they can not contact me via email. The only thing they can do is send me the letter where I did enroll in hardship. 

I did verify my address as well as I am not getting statements. If they miss my apartment and do not put F in front of it, it goes to another building. They are not helpful in this matter and it should not be my fault if their computer takes time to process. Maybe ( understandable ) they are being overwhelmed with people in hardship programs but it should not be our fault that we are being marked if their computer systems can not keep up. 

I only have phone conversations - I can also supply dates I have paid on my bank but please reach out directly.
Consumer complaint received 2022-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-02-27
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. (WA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (VA)

I previously filed a complaint ( complaint ID XXXX ). This is my original complaint : " Beginning XXXX XXXX, I have received calls daily until XXXX XXXX today, XXXX XXXX. The calls are from phone number XXXX, Sequium Asset Solutions. I am not the person they are trying to contact. I have spoken to them twice to confirm this and they confirmed I am not the person they are attempting to contact. I was told by both employees that my number would be removed from their contact list. It has not been removed. My next step is to contact an attorney. '' The company responded with an apology and stated they had removed my number from their system yet I am still receiving calls multiple times daily and have informed them they have the wrong number. The reason for this is the company removed the wrong number. The number they removed is XXXX. My number is XXXX. I will be forwarding all of this information to my attorney because this is totally unacceptable and I plan to seek damages.
Consumer complaint received 2020-07-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I filed a complaint. Trans Union did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

XXXX and XXXX issued me a credit card from Synchrony Bank I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report
Consumer complaint received 2021-05-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I sent EASTERN ACCOUNT SYST, at XXXX XXXX XXXX XXXX, CT XXXX. a validation of debt letter an I still haven't heard from them or received any letter from them validating the debt they say I owe. I sent a letter through U.S postal service certificated mail. I also have a copy of the letter I sent that an both my letter and the one I sent them are notarized by the same person at the same time.
Consumer complaint received 2021-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (AL)

In XX/XX/2017 I checked my credit report and seen I had two collections from XXXX XXXX XXXX XXXX in XXXX, CA. and a Debt Collector by the name of Rash Curtis and Associates had the Collections. I contacted Rash Curtis and Associates about this matter to inform them that these debts were not mine and I've been a victim of Identity Theft. I asked them to research my whereabouts because I live in Alabama and that's where I was in these debts took place. The Associate at Rash Curtis and Associates didn't say much and hung up the phone. I've tried to dispute these charges from XXXX  a few times but nothing is being done about it. The debts still remain on my Credit Reports to this day.
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AZ)

I have been trying to receive updated information about my qualifying payments from XXXX  XXXX XXXX for approximately 6 months. I submitted my employee verification forms in XX/XX/2018 however they are " still being processed '' even though I was told repeatedly typically this takes roughly 90 days, it is XX/XX/2018. I should have approximately 24 qualified payments to my account. I have been calling almost monthly to receive updated information or to inquire about when I could expect the information to be updated. The only response I receive is that they are still processing the information and it will be updated when it's updated. When I have asked why this is taking so long they do not give me any additional information other than they are waiting on information. To which when I ask from who they do not have an answer other than, " We are just waiting on information ''. When I have asked to file a complaint or speak with someone who can provide me with clarification I was told there is no one of that nature at thecompany. 

It is extremely fustrating to constantly be told by people who have my loans ( i.e., my debt, my constant worry, my money, a huge chunk of my financial stability ) they do not have information or do not know any information. How can this be?