davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I called on Friday, XX/XX/2021, to make my payment. Every person I spoke to refused to process it. A few of the representatives we're XXXX id # XXXX, She transferred me to XXXX at XXXX id # XXXX, then XXXX id # XXXX, and finally XXXX at XXXX. After being bounced around as usual and extended hold times, I decided to call the number of XXXX id # XXXX. He called and processed my last made payment on XX/XX/2021 after your company took almost 60 days to respond to my last complaint in XXXX. The number he gave me and told me was his direct line turned out to be just the HELOC line which obviously is of no help. Finally I called the number XXXX and ext. XXXX for XXXX XXXX, who is supposed to be my contact for issues after my last complaint in XXXX. The message says " she is at home '' and does not even allow me to leave a message ( not very professional or helpful to say the least ). I then called back XXXX which is the number for the Office of the Customer and left a message on the general mailbox stating that I would file this complaint today, again, unless someone called me today. Nobody called so this is my only option. I will continue to file these complaints if nobody is capable of processing my payments. I'm just trying to pay a debt here, which has already been charged off. Worst customer service I have ever experienced in my life, bar none.
Consumer complaint received 2020-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NJ)

Due to the corona virus pandemic the government stopped student loan garnishments out of paycheck way back in XXXX until XX/XX/XXXX. As of XX/XX/XXXX they have not stopped taking money out of my check and they refuse to answer call in regards to this matter.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TimeMark Solutions, Inc (TX)

I contacted XXXX to pay my student loans and was asked why have I not gotten into a student loan forgiveness program, the agent that I was speaking to his name was XXXX. I told XXXX that I did not qualify for a student loan and he asked me a couple questions about my income and told me that I would be a good candidate he told me that to start the application it would be a payment of XXXX and three more payments of XXXX after that. He said that once I was done making then payment as long as my income stayed below XXXX a year that I would qualify to get my loans dismissed. He said that company that I would be going through would be with Timark Solutions witch is an affiliate with XXXX.
Consumer complaint received 2024-03-19
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have been building my credit and paying my card on time for the past 4 years with capital one. I have 2 accounts with them one platinum and one quick silver. I have encountered identity theft and there has been 2 accounts that I did not authorize to make payments on my behalf nor have any relation to. I have called both bank accounts to submit a letter to capital one stating that i do not have any accounts with them. I only have a small credit limit as I'm building my credit up and to have multiple fraudulent payments and multiple bounces on an account I do not have access to why was I not alerted of any of this going on. This happened for 2 months XXXX through XXXX. 
I have called and reported the fraud, they sent out a new card but then closed my account with no explanation and no investigation.
Consumer complaint received 2021-08-11
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: BARCLAYS BANK DELAWARE (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX- Account Number : Inquiry Date XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

9. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION (TX)

I keep getting calls and threats to damage my credit for this account and I have never used it before. Ive asked to be removed from this list and I am still being harassed. THERE IS NO PROOF OF ME GETTING THIS ACCOUNT SO DELETE THIS ACCOUNT IMMEDIATELY. Ive asked repeatedly to take this off my reports because I do not have an account with this company. PLEASE REMOVE FROM MY CREDIT REPORT AND AGENCIES WITH THIS INACCURATE INFORMATION!! IMMEDIATELY!
Consumer complaint received 2020-05-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (VA)

We have a VA loan through Veteran 's United. At the time of closing, XX/XX/XXXX, they were made aware that we were exempt from paying real estate taxes due to my husband being XXXX XXXX  XXXX. I forwarded a copy of our exemption letter from the county in XX/XX/XXXX. They explained to us that they would still need to collect money for taxes until they could verify this with the county,  they only verification they would accept was a tax bill, which would come in early XXXX. In XXXX, our tax bill came showing that we only owe {$12.00} for storm water and {$0.00} for taxes. In XXXX, the representative at Veterans United stated that issue would be resolved soon. I called again at the end of XXXX because I had not revived any correspondence from them. 
Today is XX/XX/XXXX. This issue still has not been resolved. When I log into my on-line account, it still shows that our Mortgage payment is {$1700.00}. Today, I spoke with a representative who stated that we will once again need to pay the full amount for XXXX, even though they now have the paperwork stating that we do not owe any taxes. Our escrow account is currently at {$2100.00}. The representative told me today that we would still need to pay over {$100.00} a month for escrow. Our insurance payment is {$400.00} per year. When asked why they would collect over {$1200.00} a year to make a {$400.00} payment he was unable to give an answer. He added that we would get an overage check sometime in XXXX but was unable to tell me an amount or date. I have called and asked about the escrow account on several occasions and am always told that someone " will look into it and call back ''. I am never given a straight answer about the account or the money owed back to us. At closing we were also charged prepaid taxes in the amount of {$480.00}, for XXXX and XX/XX/XXXX, which they knew of our exemption at that time also. When I asked about this money, I was told they knew nothing about it. I am deeply concerned about their treatment of veterans and the financial practices at Veteran 's United and would like this looked into.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i was involved in a real estate fraud where i tried to purchase property in new jersey and never received the property after being contacted online by a company called XXXX. The merchant took my info and opened up an a credit card with bank of america, XXXX and XXXX XXXX. The merchant then took my card and charged it to an XXXX and kept stringing me along telling me they would purchase the property but never purchased any property and then said they would refund and never did. and then disappeared. I have a theft police case with XXXX XXXX  for these charges on my account, the police case number is XXXX but bank of america will not dispute these charges due to the time but i was clueless that these were thieves. All the charges made on the card was by this company during XX/XX/XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Hello, My name is XXXX XXXX, I been a victim of fraud in my Synchrony account of XXXX, I have few accounts with synchrony bank credit cards and charge cards, and they are incompetent, in the way the enter my information, which I verified with them, and they still hurting my credit bureau exceptional performance. I have no problem, with any of my XXXX, XXXX, or discover accounts. It is just lousy Synchrony, that makes mistakes that cause me points in my fico score. They make the errors, and they blame me. I have all my account for ever, in auto pay with plenty of money to pay, and these idiots, tell me, that my account is invalid?? IT IS NOT. I even talked to them, and they are like talking to a robot, who does not understand a simple inquiry, form their mistakes on my accounts. 

I have all my bank statements that proof all my good performance. Please help in straighten this out with Synchrony bank. Also, they charge outrageous amounts of money as interest rates. I am a XXXX XXXX, and I live on a fixed income. I hope the government will fix this companies, abusing the American people, ripping us off. 

I thank you in advance for your time, XXXX XXXX  XXXX!
Consumer complaint received 2021-08-11
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. (MI)

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} This account was opened fraudulently and I have contacted the company as well XXXX XXXX DBA XXXX -XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX All these inquiries are fraudulent and unauthorized
Consumer complaint received 2021-03-30
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. (CA)

Experian is reporting fraudulent information on my credit report. I have advised Experian that these collections are not mine. These are fraudulently reported and need to be removed immediately. I have also requested a fraud alert on my account. Please assist me in getting these deleted off of my credit report as they are not accurate. I have not ever cosigned for these services or any services and I do not know who they belong to.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-19
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 (FL)

I am a part of the class action lawsuit for nsf fees. On XX/XX/XXXX I was reimbursed {$160.00} in fees however this amount is not accurate. The class action date range is from XXXX and I can only obtain statements from XXXX. From XXXX not accounting for XXXX, XXXX, & XXXX my fees were well above {$900.00} and only {$160.00} was reimbursed. 

I need full reimbursement from XXXX. 

I also need access to my statements from XXXX, XXXX, XXXX so that those fees can be appropriately calculated and I can be reimbursed. 

I requested these statements from the BOA on XX/XX/XXXX and the rep stated that BOA did not have access. I need access to those documents so that my fees are reimbursed appropriately. 

I also need FULL reimbursement from my nsf fees from XXXX which has not been done.
Consumer complaint received 2020-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CA)

I was in a car accident and I had my car loan through Ally Financial. The vehicle is a total loss being paid by the insurance and I called Ally on XX/XX/2020 to get the payment date of XX/XX/2020 moved to the end of the month so the insurance could take care of everything. I even recorded to call. I was told that the payment would be moved but that I also had a 15 day grace period in addition to that. Then I get a notice that I am past due. I look today and I am 16 days past due and there are lat efees on the account. I call and the first person just mumbled into the phone and hung up. I got on chat and called back simultaneously. I was told on chat that she found a record of me calling to move the payment but told me it never got processed so I was pretty much out of luck. THe collection person XXXX XXXX or something that I talked to on the phone barely spoke English and I asked her to spell her last name like 5 times and still couldn't understand her. She basically told me the same thing. That it never got processed so I had to make the payment. I asked for a supervisor and she claimed one was not available. I asked multiple times and she refused to offer me a manager. Said she was working remotely and no supervisor is available. I had to make a {$350.00} payment today, knowing that the insurance is paying off the loan and that my payment was supposed to be postponed until the end of the month, which would have given me an additional 15 day grace period into the XXXX of XXXX to have the insurance thing done since the car was a total loss. I was in a severe car accident and this stupid company told me that the payment would be moved and now I am having to make an extra payment that I shouldn't because someone did not do their job on the 3rd. I already had to buy a new car and I was told that this was taken care of.
Consumer complaint received 2021-01-25
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. (WV)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX 's be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now XXXX has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My bank, USAA, closed my account and charged off my credit with no warning or reason given for the closure of my account. Furthermore, they asked me to write a letter explaining my problems ( losing my job and XXXX XXXX issues ) only to find out there was never any way to reopen that account. They continue to negatively affect my credit while not giving me any recourse for paying off my remaining credit card debt and sending me to collections if my payment is only 1 day late. I feel as though I am being discriminated against because I am struggling financially. USAA continues to give me no reason for the closure and generally treats me like trash when I attempt to gain insight into the issue. I was a USAA member for 17 years! They email me things saying they will support people during these times, but none of these services have been applied to me. I would like some assistance in fighting this and repairing my credit. Again, I feel like this is unnecessarily being done to me, and I still to this day have no idea why my accounts were closed. I don't have any documents or dates at this time as I am displaced during the virus but I can share those at a later date.
Consumer complaint received 2019-10-30
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. (NJ)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2019-10-30
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: EQUIFAX, INC. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


US DEP ED XXXX****, US DEP ED XXXX****, XXXX XXXX XXXX****, XXXX   XXXX****, US DEP ED XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX** XXXX XXXX**** and XXXX XXXX XXXX****
Consumer complaint received 2017-08-08
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. (NJ)

I have errors and inaccurate information on my Equifax Consumer Credit Report. I have disputed these accounts as being inaccurate, and Equifax had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.