davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Paid an account IN FULL within grace period in the amount of {$1300.00}. On next statement, had an " interest charge '' of {$3.00}. Wrote a letter to the XXXX XXXX XXXX, Bank Of America ignored the letter and did not respond. Had to call in, resulting in extreme inconvenience, customer service representative was confused about the charge - checked with supervisor and declared that the charge would be removed. I asked if this was an error, the reply was " it looks that way ''. Bank appears to be disorganized, does not answer mail, there is NO option to contact bank electronically by e-mail or secure message, the ONLY option is the dreaded " call center '' during THEIR hours.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION (CA)

LOBEL FINANCIAL is reporting that my account is negative charge off. 
This negative INNACCURATE INFORMATion needs to be removed. I do not OWE this company any money. I NEVER LIVED AT THE ADDRESS XXXX which is associated to this account. This is an act of fraud please remove from my credit files..XXXX and XXXX
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I disputed some entries on my credit report with Equifax on XXXX/XXXX/2017 and again on XXXX/XXXX/2017. So far no response from Equifax regarding my dispute and do n't know how to make them fix my issue or respond with any information.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery associates called and wrote me by mail in the year 2020 telling me that they were collecting a debt owed by a credit card company ( XXXX XXXX ) that was charged off and sold. They reported me to credit agencies and told me unless I paid it off {$360.00}, it would stay there indefinitely, so I paid it in installments and now they sent me a letter stating that I still owe them. This derogatory debt that I paid off is still on my credit and it looks like I still owe them money.I feel like they cheated me out of money. They want more money from me and I am not paying another dime. In fact, I want my money back.
Consumer complaint received 2020-06-22
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: EQUIFAX, INC. (NV)

My identity has been compromised years ago from the lost of my purse along with my identification. And from that I'm now dealing with the issue at hand the misrepresentation of my credit files. The following accounts does not belong to me, therefore I'm demanding that they be removed and blocked from my credit files. 

1. XXXX XXXX  XXXX {$2300.00} 2. XXXX {$190.00} 3. XXXX XXXX XXXX {$100.00} 4. XXXX XXXX {$1000.00} 5. XXXX XXXX XXXX {$13000.00} 6. XXXX XXXX XXXX {$59.00} 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX  11. XXXX  XXXX XXXX
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In the span of a few days ( XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 ) I received over 13 unauthorized hard inquiries to my credit for car loans from dealerships. I was never aware this was having, or gave anyone permission to do so. I can not get a response from the generators and they are false hard inquiries to my credit ( I have no car loans or loans at all beyond student ones, I don't even have a car. ) I ask that you please immediately remove these from my credit report for authorization.
Consumer complaint received 2018-03-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I returned a XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX of XXXX XXXX, California. I called XXXX XXXX XXXX when I returned the car to inquire about paying off the rest of the lease. I was told the amount I owed and received a statement in the mail as well. I made the full payment online and was told that my account would be closed. This did not happen. XXXX XXXX  wrongfully deducted an additional month 's payment from my bank account on XX/XX/2018.  I called a couple of times to get my money refunded and have been given the run around. I still did not receive my refund. They are crooks!
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (PA)

I had an auto loan through Ally Financial for a XXXX XXXX XXXX. This loan originated on XX/XX/XXXX and was paid every time on time until the vehicle was totaled in XXXX of XXXX. The finance company erroneously reported my loan as being late for 3 consecutive months after the vehicle was fully paid off by my insurance company XXXX. I have contacted them directly several times about the incorrect late payment status & it has never been updated on any of my three credit reports. Thus has caused me irreparable damage to my credit score and overall harm to my credit profile. At this time I have no other option other than to ask for government assistance. From my attached screenshot of this item on my credit file you will see it has been disputed prior and I have a consumer statement saying that I disagree with the results.
Consumer complaint received 2017-04-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc. (WI)

This 3rd party collector deleted this information from my credit report and then reported as a new debt. Lowered my credit score on XXXX or the XXXX major credit reporting companies, and has me looking like I dont pay my debt. I am attempting to land employment, this is hurting my chances of doing so with the negative information reporting. This violates my HIPPA righta nd I have NEVER EVER given consent to be prayed upon by this company. I DO NOT OWE STATE COLLECTION SERVICE A DIME. I have sent count less validation and dispute letters, now they re-insert this on my credit. I can not believe this please help [
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

XXXX XXXX bill pay software is flawed. I have only had this account two months and have gotten charged excessive overdraft fees four times because of their flawed online bill pay software. I was charged overdraft fees of {$33.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. The software does not accurately display outstanding unpaid bill pay payments. The amount of available funds should only reflect what is actually available taking into account bill pay payments that have been added, regardless if they have been cashed or not. I have used other bank bill pay software and have never had this issue. Their bill pay system is set up so customers will not see the correct available funds and then process a bill payment which ends of activating another overdraft fee. Their bill pay software is not intuitive when it comes to outstanding payments that have been done.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted Transunion on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, After properly disputing this account four times i received a letter from transunion stating that i needed to contact the collection company, and that the account had been verified and will stay on my credit report. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent Transunion the letter i received. Transunion still refuses to remove this account from my file even after getting proof that the account can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has not provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. Transunion has not sent me information in regards to how they have verified this account and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to receive documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of reinvestigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Transunion is willfully withholding information in my credit file from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I opened the  XXXX   XXXX   XXXX  card in  XXXX   2017 . It came with a  XXXX    XXXX   points bonus for spending {$4000.00} in the first 3 months. I fulfilled this requirement in the first 30 days. The bonus points posted to a different   XXXX   account which was no t mine. American Express ign ored the   XXXX   account specified on my application and substituted it with a different number. I have contacte d American Express by  phone and spent cumulatively hours dealing with this, each time they assure me the problem will be corrected over the next business day  or two a nd it never gets fixed.
Consumer complaint received 2017-04-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

My attorney called XXXX of Well Fargo to let her know I was going to sign the Loan Modification after accepting it by paying and continuing to pay the new payment of XXXX. When he called she told him the deal was off the table and I would have to refile for a new modification which I did in XX/XX/XXXX. Since sending in the papers no one contacted me. I called to check on the paperwork and they said according to the CFPB that you can only file within 3 years. I filed for my first modification in XX/XX/XXXX and now in XX/XX/XXXX. How can they get away with Taking my home when they said I qualified for the new modification and took it off the table?
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

Sent them a check for almost $ XXXX. They received and cashed the check but it 's been 2 weeks and my account has not been credited. Called several times and no one can help. Trying to do the right thing by honoring my obligation but it 's turning into a huge headache. In the meantime, my balance is stilll collecting interest.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ballybunion Enterprises, Inc (CA)

XXXX   XXXX   XXXX   XXXX   XXXX , contacted my father on   XX/XX/XXXX  t o attemp collection on a debt i no longer owe in the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

Equifax is reinserting deleted accounts on my credit report.  XXXX   XXXX   XXXX  has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. The account number on this account is  XXXX . This account was deleted more than once from my credit report and now its reinserted without my knowledge again.
Consumer complaint received 2017-06-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bayside Capital Services, LLC (MS)

In the first week of  XXXX  the bayside collection service called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (MS)

On or about XXXX 2016, I received a call from XXXX about my son 's phone bill that was past due by XXXX. I had signed for the phone account. I gave them my sons girlfriends phone number to contact him since they had his phone shut off. I never heard another word from XXXX. I never knew it went unpaid. My son lives in Illinois and I in MS and we do n't talk a lot. I did not know anything about a collection until I checked my annual credit report a few weeks ago. They had my phone number, they could have called me back, they could have said we need you to pay or it will be sent to collection but none of this happened. I was living in Illinois at the time he got the phone trying to take care of him because he has a mental illness but was able to come home shortly after getting the phone account for him. I had my mail forwarded but never received a bill from XXXX. 
I have very good credit and have worked for many years to get it that way. There is no way I would ever let a bill go to collection. I feel like I have been wronged by XXXX. I would have been more than willing to pay the {$300.00} rather than ruin my credit I worked so many years to acquire.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

I have worked with Loandepot for refinancing. I have provided all documents to them and got their final approval. So we are working on closing disclosure and scheduled an appointment with title company to complete the document. When I was heading to title company, Title company said it was canceled. I was trying to reach out with LoanDepot for the reason but my contact and her supervisor can not reach even I left voice message or Email. So I don't have any visibility on my refinance.
Consumer complaint received 2020-11-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

I was charged {$36.00} XXXX dollars for two years of education though the annual dicots is {$11.00} XXXX. In addition I have paid {$31000.00} but they are still demanding {$26000.00} more. I spoke with the customer service team to no avail. They too are confused how this could happen but suspect it is due to multiple forebearances. However at the end of the day it would make the loan 100 % interest which would be impossible to pay off. When the call center could not explain what the issue is, my request to have them revise my bill ended with an itemized list of payments and charges ( about 25 pages ) but still ended with me owing {$26000.00}.
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (CA)

Target reported me as late on my credit card payment during my  XXXX   XXXX   XXXX  and is refusing to correct the reporting. I had no knowledge of any balance and apparently had a {$2.00} balance and they charged late fees and now the balance is higher. under the SCRA I should be protected during  XXXX  periods from any default reporting and they are refusing to correct this which is affecting my credit report.
Consumer complaint received 2021-01-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Hello, I would like to make a complaint on how the Experian and XXXX credit dispute personnel are not doing a proper investigation on my credit dispute. XXXX  however, is reporting correctly, after disputing with them. 

This is also the 2nd time I have disputed with Experian and XXXX with additional information from my bank as well. Disputing multiple times has caused my credit score to drop. 

The dispute is over a late payment that I have with XXXX XXXX XXXXXXXX on an account that was closed back in XX/XX/2017. The late payment was XX/XX/2017 when the account was closed. The issue is that I have had a {$0.00} balance and the account was fully paid off yet I was still reported as having a late payment during the time of having {$0.00} balance. 

I have even talked to XXXX XXXX XXXXXXXX representatives who state that if the balance was {$0.00}, it is impossible to get a late payment. Unfortunately, they can not send me any documents about my account because it was closed years ago, and they don't have access to it. 

The credit bureaus report on having a {$0.00} balance but somehow fails to recognize that the late payment was during the time of {$0.00} balance so I don't understand how it could be late when nothing was owed. 

Thank you for reading,