davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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. (GA)

Experian Attn : Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Information Account Number : XXXX Dear Experian & CFPB, I am writing to dispute the accuracy of information on my credit report pertaining to the alleged charge-off on the account with the following details : Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off. {$2100.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$2100.00} Balance Updated : XX/XX/XXXX Credit Limit : {$2000.00} Highest Balance : {$2600.00} On Record Until : XX/XX/XXXX I assert that there are multiple discrepancies in the reporting of this account that potentially violate the Fair Credit Reporting Act ( FCRA ). The alleged charge-off, in particular, raises concerns due to the following : Manipulation of Effective Date : The credit card company updated the effective date to XX/XX/XXXX, potentially reaging the account to keep it on my credit report beyond the permissible reporting period. This may violate FCRA Section 605 ( c ), which outlines the maximum reporting period for most negative information ( seven years ). 

Inconsistent Charge-Off Reporting : The account is reported as charged off multiple times for multiple months, indicating potential inaccuracies or overreporting. This inconsistency may violate FCRA Section 611, which requires accurate and complete reporting.

Lack of Clarity on Charge-Off Status : The reporting of charge-off status continues for an extended period without clear resolution or update. This violates FCRA Section 623, which mandates furnishers to report the current status of the account accurately. 

Missing Information on Highest Balance : While the highest balance is reported, the corresponding date is missing. This lack of specificity may violate FCRA Section 607, which requires accurate reporting of the dates.

Delete this account from my credit report.
Consumer complaint received 2021-09-09
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: PNC Bank N.A. (OH)

Hello, PNC Bank : XXXX # XXXX ; XXXX  # XXXX ; XXXX # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.
Consumer complaint received 2017-09-13
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: Army and Air Force Exchange Service (TN)

Military star card is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.
Consumer complaint received 2021-09-09
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: HCFS Healthcare Financial Services of TeamHealth (NJ)

HIPAA Violation I requested validation ( not Verification ) of items being reported to the credit bureaus. ARS Account Resolution responded in multiple letters that they have " verified '' these accounts. This " verification '' presents multiple violations by ARS Account Resolution as well as the Credit Bureaus. First, ARS Account Resolution did not provide the evidence of validation that was requested and also by providing this information they are in violation of my HIPAA rights.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

On  XXXX   XXXX     2017  I had a balance with    XXXX   XXXX   o n my  XXXX  store card charge account of {$560.00}. I logged into my online portal to bring up my account and paid off the balance. You are given  three  options for paying off your balance : Pay of balance, pay amount due, and other amount. If you select " Pay off balance '' or "  Other Amount ' ' then it will NOT allow you to type in a greater amount than what is currently shown on the account.     I made a payment of {$560.00}. A month later I received a bill for {$10.00}. Ok I get it, residual interest. On top of that they also charged me a {$2.00} minimum interest charge.     I have tried calling them in the past. I realize this is minor but when you call them you are greeted with a phone tree that after you tell it your account information just pulls up your statement and reads the entire thing to you fo r fifteen  minutes before it will let you speak to a cus tomer service representative. Once you talk to a CSR t hey will give you the SAME amount due. That is assuming you can understand what they are saying because of course their call center is outsourced to  XXXX . They do not know the residual interest amount either!     My problem is there is no way to avoid the residual interest charge. They wont let me overpay the amount online or over the phone.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc (CO)

I see an entry on my credit report from XXXX XXXX XXXX in regards to a Collection account past due from Flexshopper LLC. I have never done business with Flexshopper nor have I done business with XXXX XXXX XXXX. Also the address they are saying the person who took the account out lives ate XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never lived at that address. That address on XXXX earth shows up as a hotel not a single family address. I have lived in XXXX  XXXX for the pass 10 year and before that I lived in XXXX  XXXX. I have no clue why this account is on my recorded unless someone sole my Id. I have tried to call XXXX XXXX XXXX and keep getting directed to leave my phone number and name for them to get back to me. I feel that this complain is a scam and refuse to give them my number. Also when I checked my credit report it showed that I have never payed them any money and now it shows that {$28.00} has been payed. I did not pay them and would not ever pay them. I tried to deal with XXXXXXXXXXXX  to have this removed from my credit report and they only come back with Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
I do not understand how they can do this when I have never done any business with ether of the companies in any shape or form.
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (NJ)

I 'm into 23 cycle of my 30 yrs loan. Loan any XXXX at 4.499 %. Recently when I checked my principal+interest composition, it appears that my interest is double than principal. Is that sound right, granted that in the coming years it will come down but banks collecting interest more than the principal sounds morally unethical. We all work hard to pay mortgage/bills and to meet our ends. But when you learn that banks safe guard their interest and profits, and keep their interest at higher priority than you as a customer it sounds wrong. Just to put into perspective, off the total money i.e. towards principal and interest I pay, more than {$1000.00} goes towards interest and less than {$500.00} towards principal. Is this ethical? Not until 15 yrs into loan, my principal n interest would be equally. That means I 'm XXXX if I want to buy another house n sell my current house. Banks has collected more interest in 2 yrs than paid towards principal. Is n't this incorrect? I mean how will low to medium income family survive. My contact XXXXXXXXXXXX.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

XX/XX/XXXX My Student Loan Repayment Account with XXXX XXXX XXXX has been transferred to MOHELA ( Acct # XXXX ), and I am incurring the same issues with MOHELA with my loan in EARLY repayment, yet the next payment due date is XX/XX/XXXX. I am submitting a new complaint, which is related to COMPLAINT ID XXXX and XXXX, both of which have a status of OPEN Company response is in progress. 

I have received a notice from MOHELA that I have missed several payments, and to avoid delinquency or default I need to contact them. I have tried to call and email but they are non-responsive and phone calls are on long wait times due to high call volume. 

MOHELA says my paid ahead status with XXXX XXXX no longer stands, and that I MUST go into Loan Repayment now instead of XX/XX/XXXX. My original loan amount was {$120000.00} and my current balance is {$13000.00}. 

I am attaching the statement from XXXX XXXX that says my repayment starts XX/XX/XXXX. I also sent this to MOHELA, see proof attached with screenshots.
Consumer complaint received 2017-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (GA)

My mother purchased a car back in  XXXX  for a   XXXX   XXXX  . Her interest rate is 9.94 % for 75 months with payments at  XXXX . She made her payments and in  XXXX  she made a lump sum payment of {$18000.00} dollars and you would think that would have lowered her monthly payments, but no,  XXXX  says that they have to be told to apply the payment so that they could lower the payment. We tried to get them to lower the payment and they say she has to pay {$2000.00} in order for them to do that. The term of her loan is ending and she still owes {$8000.00}. Talking with their customer service department, they have been charging her a daily charge of  XXXX  that is not stated in her contract. I have copies of the contract and her payment history that is attached. Customer Service Reps/Managers have not returned my calls/messages.
Consumer complaint received 2017-11-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion Customer service wouldnt help and take care of the following negative inquiries on my credit report 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.  XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

HUNTER WARFIELD, INC Agency Address :   XXXX   XXXX   XXXX   XXXX    XXXX , FL   XXXX   Date Reported :  XXXX /2017 Original Amount Owned : {$280.00} Balance Owned : {$280.00} Comments : No action was taken. No letter was received from Hunter Warfield or their client. I 'm in the process of purchasing the home and saw the debt on my credit report. I called Hunter Warfield to inquire on   XXXX   XXXX   2017 and was told that it was an attempt to collect a debt but they have no information or breakdown of the charge. Explained I did not receive a call, email, or letter from their client regarding any debt nor have I received anything from them. On J  XXXX   XXXX   2017 I called to verify email address and physical address for Hunter Warfield. The rep. gave me the information. However, my email address was blocked. I called back to verify the email and even had another rep. email me and when i replied to her email, it blocked me as well.
Consumer complaint received 2021-08-05
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: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX collection company has not removed themselves off my credit XXXXXXXX XXXX has removed the original collection and now another collection company is bothering me via mail
Consumer complaint received 2017-07-27
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. (NV)

Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2015, I submitted payment for my XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2015, I submitted payment for my XX/XX/XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.
Consumer complaint received 2017-04-24
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. (PA)

A  XXXX  's credit card account is now appearing in my name as an authorized user. It was initiated before I was born. It started reporting on  XXXX   XXXX . The account opened on  XXXX   XXXX ,  XXXX , and closed  XXXX   XXXX ,  XXXX . I mailed a request out to have this removed, but have received no response. I have the same name as my father, so I often get his history tied into mine.
Consumer complaint received 2024-01-29
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. (NJ)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

XXXX XXXX XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX EXPERIAN Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : XXXXXXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

Today if Friday, XXXX XXXX, 2017. I have tired to freeze my credit report at Equifax about 10 times over the past 5 days. I keep getting their error message or a message to try back later. Once, I got to the point where they wanted {$10.00} -- according to their web site there should be no charge for someone over age XXXX from my state. 

If they ca n't get their computers to work, it 's not surprising they were hacked. 

I was able to easily freeze my credit report via the web for the other two companies.
Consumer complaint received 2017-07-27
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: EQUIFAX, INC. (WI)

On XXXX XXXX 2017, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the manager. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because XXXX of the bank did not want to finance. My question is : how about the other XXXX. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as XXXX hard hit and not XXXX. Thanks for your time
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Winklevoss Exchange LLC (CA)

XX/XX/2023 - I contacted Gemini Credit Card in regards to my open account. They responded stating that my account was actually closed. However, they never removed themselves off of my credit report. XX/XX/2023 - I emailed Gemini Credit Card and asked them to remove themselves off of my credit report immediately since my account was closed. I never heard back. I have contacted them several times since then, and still no response. XX/XX/2023 - I dispute the account with the credit bureaus stating " Account Closed '', and during the investigation Gemini responds to XXXX stating that the account is actually active and they reject my dispute to remove the closed account. I contact Gemini Credit Card once again, and AGAIN they state my account is closed. I am vexed at their incompetence and need this matter resolved immediately. Either activate my credit card, or remove yourself from my credit report.