davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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. (MS)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX  XXXX {$420.00}
Consumer complaint received 2019-10-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

Started with XXXX in XX/XX/XXXX. I had a XXXX XXXX and I was advice to slowdown working. 
I was working for XXXX in XXXX XXXX XXXX XXXX. I was granted my XXXX on XX/XX/XXXX. 
My next goal was to the XXXX in XXXX on XXXX XXXX, granted on XX/XX/XXXX. 
The next was rectification for XXXX XXXX on granted on XXXX. 
XXXX XXXX XXXX XXXX. 

When I completed my education working on the documents listed. I started my education XX/XX/XXXX through XX/XX/XXXX. My work was after work hours. 

NAVIENT bought my education work. I was advice by NAVIENT that I had approximate {$31000.00} of work that I was to complete. XXXX advised me that I had no payments. Not sure they had any time or work to complete. I am a XXXX XXXX XXXX veteran. 

I am veteran with XXXX due the XXXX XXXX XXXX with a XXXX and I am with XXXX  problems. I am not working now and I was out of for 15 months.
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 — Account status incorrect
Company: ECMC GROUP, INC. (TN)

Student loan from XXXX XXXX in XX/XX/XXXX still on my credit report that states in default collection. Called XXXX XXXX when I payed everything off! Represtative stayed all loans were ALL PAID OFF IN FULL. Merged with navient got collection letters calls. No bills to my address never once did I receive a bill! This account was in XX/XX/XXXX and should have been removed permanently in XX/XX/XXXX even if I was in default which I wasnt! This is unlawful and unacceptable when I have paid this off. Not to mention got a confirmation from the representatives. Now I am struggling with correcting my credit. Also going thru XXXX. And lastly the school has been CLOSED. I just want an honest person to close my account so I can more on with my life and not deal with this outrageous account balance.
Consumer complaint received 2023-02-08
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: ENOVA INTERNATIONAL, INC. (IL)

I received multiple hard inquires from XXXX XXXX XXXXXX/XX/XXXX and XXXX of XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.
Consumer complaint received 2023-01-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed : {$4300.00}
Consumer complaint received 2017-08-10
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. (CA)

This account was very past due for quite sometime due to loss of income. I started making multiple payments per month starting in XX/XX/XXXX to resolve balance. I disputed the total balance because it was still reporting late and as if I was n't making payments. Company updated saying information was accurate and actually increased the balance due after updating a couple of the posted payments which was incorrect. I then re-disputed with credit bureaus with dates payments were made and amounts. As of XX/XX/XXXX the account was paid in full. Today I received an update to my second dispute as the company stating accurate info ... Open {$550.00} past due as of XX/XX/XXXX and now 180 days or more past due.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY (GA)

My husband and I voluntarily had our car repossessed because we had moved out of the country for XXXX  work. While out the country and even once we returned from our assignment we had been paying the remaining balance for the vehicle. We always did our due diligence and we had worked out a payment plan and had been paying each month with not problem. We had been told that the only way we could pay would be to call in, which we had no problem with. XX/XX/2019 is when things went downhill. We called as we always do to pay our bill and had on hold in the que for over a hour so because of work, we decided to try again another day. As we continued to call with no answer we assume it was because of the holiday season that they had been busy or closed. On XXXX XXXX at XXXX we received a voicemail from Td bank regarding our bill. Due to being at work we missed the call but returned the call the same day before office hours were over. We waited on hold for a while even while driving back home from work and never got anyone. We tried calling other reference numbers mentioned online in hopes that we would get the automated payment line as we had done multiple times before but the automated messages never brought us to that prompt they still have that option. I assumed since it was almost closing, no one was answering the phone anymore so we again tried the next day. Eventually after waiting for so long the automated System would say Our office hours are ... our website is ... goodbye and just hang up. Because of this message we assumed that it was due to the holiday hours. Again, we dont have a way to pay online. On XXXX XXXX after the holidays we tried calling again and was told our account has been turned over. XXXX XXXX we received a call from XXXX saying that they now had our account. We explained the situation to them and the guy proceeded to be rude and assault us. He told us there was no other option then to pay our balance within 30 days or they would take us to court. He proceeded to ask personal questions about why we went out of the country and if we had family that could pay our debt and he threatened to take wages from us if we didnt either pay the full balance in 30 days or do a {$4000.00} payoff within one week. We asked about a payment plan and he refused and said they will just take us to court. In all honesty, we can not give what we dont have. We have always paid all of our bill with every company weve ever been with so this is a first for us. We are honest people and want to pay our debt but rude remarks and threats were unnecessary. We called td bank again that same day asking why they had turned us over when weve always paid. The lady told us that she didnt understand why they would have since it had not been 30 days since our due date. She assumed it was a mistake but said that once it is turned over they have no power to get it back. We asked for a manager to call us back but we never received another call.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/2017 we signed a new payment agreement with Chase Bank ( attached ). This new agreement was a fixed payment schedule that replaced the monthly payments previously due each month. Upon making these payments on time every month for almost 2 years it was brought to our attention that Chase was reporting this payment late each time. Once contacted they indicated that we had a past due amount still. It was never disclosed to us that we had additional payments to make on top of the agreed monthly payment in order to avoid late payments. This is why we took the agreement in the first place. Chase has repeatedly refused to change the derogatory nature of the credit bureaus reports. They indicate we agreed to the details verbally but they are unable tp provide the recorded conversation where they indicate this was stated. The only contract details we are aware of are attached to this complaint and say nothing of additional money required in the contracts next steps. We followed the agreement to the letter with the intent of saving our credit as much as possible only to find out that the said agreement did nothing of the sort. We only want the lates removed and don't feel that its asking to much if you look at the on time history of every payment.
Consumer complaint received 2017-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, This is XXXX XXXX, account holder of Bank of America. Unfortunately, without any notification Bank of America closed my account, my credit card and debit card. It took almost two weeks to have access to my account and being able to use the said cards.
It looks easy, but It was not that much easy to re-open my account. At least, 4 or 5 times I went to bank of america.I spent about 90 min each time. At least 2 times I called Bank of America, I talked over phone about 30 minutes each time. I, as a XXXX XXXX and planning to get my XXXX here. I have a limited time. I do n't have any family here to borrow money from. I usually carry about {$50.00} in my pocket. Just put yourself in my shoes. How could I get gas, or buy food to eat, or pay for other stuff? How could I pay my rent? Has Bank of America ever imagined what would the consequence of its action? What if I was on vacation? How could I pay for taxi over there or buy food? Later, I figured out Bank of America need updated documents. I say fair enough, but If you need any updated documents, it is only and only your duty to ask for further documents. How can I find out Bank of America need a document, while the Bank never requested any documents? After re-opening my account, I thought the problem was solved. But I was wrong. Now, I am suffering from two more problems. First, my friend wants to send me money, about {$50.00}. It is not possible anymore. Again it is related to Bank of America. The second problem came up yesterday. It is more painful. I figured out my credit score dropped almost 100 points! why? Because Bank of America needed to update my documents, and but never asked for it by sending a text, an email or letter, or put a voicemail on my phone. Instead, Bank of America decided to close my account, my credit card, my debit card. As a consequence, my credit score dropped 88 points just because Bank of America never asked for a document. Let me explain more about the consequence of Bank of America 's action. I was planning to buy a car, due to my current credit score, it is not possible any more. My credit score was good, now it is not anymore. What should I do now? Do not you think Bank of America is responsible for its deed? I suffered XXXX from your acts too. Do you know how embarrassing is to be on shopping and there you find out that none of your cards are not working? I believe it is fair to compensate the damaged you caused. I expect Bank of America be responsible for what he did. I did complain over phone a few times, but never got ant feedback. Best,
Consumer complaint received 2020-05-20
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: WELLS FARGO & COMPANY (NY)

I opened a Wells Fargo Secured credit cards in XX/XX/XXXX. My last payment was made XX/XX/XXXX. The account was closed XX/XX/XXXX due to nonpayment. I called Wells Fargo in XX/XX/XXXX to make a payment and close the debt out. I was told they were unable to locate the debt to apply a payment to so they would be unable to accept my payment and remove the debt from my credit report. I submitted a dispute XX/XX/XXXX to have it removed from my credit report because they cant find it to prove it was mine and accept payment. The dispute was in favor of Wells Fargo, and it is still on my credit report despite being unable to locate the dent and let me pay it off.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HYUNDAI CAPITAL AMERICA (PA)

Initially, on XX/XX/XXXX I went to XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I was looking to make an exchange of my vehicle lease. The when I agreed to allow them to run my credit they chose not to disclose what was my score or what agency they looked at in coming to a determination regarding my credit worthiness. 

When I asked them for it, they said that the report comes through digital means and that it could not be printed out. the sales person provided me with a score that I knew to be incorrect from all of the credit services that I use. When I explain that fact to him, he told me that my services only give an estimation that is usually incorrect. 

As the deal for the financing on the new lease had to be done, they lost my credit profile and had to run my credit a second time ; this was about a month later in XX/XX/XXXX. Once again they failed to give me a report of how they arrived at their valuation of my credit worthiness. This company has been poor in its consumer relations, especially as it pertains to credit evaluation. 

Since that time, it has been disclosed that after taking in the previous vehicle and making the exchange for a newer model, this dealership did an evaluation of the vehicle 2 months after the exchange and did not acquire my signature as proof of its reported  damages. The damages that they have listed are also no accurate as the vehicle was not given to them with those damages. 

XXXX XXXX also failed to make the proper calculations as to the payoff that they needed to make to Hyundai Motor Finance on the first lease, which has prompted Hyundai Motor Finance to ask me for more money, even though that amount was transferred onto the new lease as part of the deal. XXXX made the original payments that they thought were accurate but Hyundai Motor Finance stated that they miscalculated the amount.In my calls with XXXX, they have not allowed me to speak with a finance professional from their location and finance professionals have not returned my calls even though I have left multiple voicemails when I have gotten through. 

Neither XXXX XXXX or Hyundai Motors Finance want to contact one another to settle this matter. It seems to me that they may be running a scam by adjusting amounts months after the fact and requiring consumers to take on more obligations.
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 — Account status incorrect
Company: Navient Solutions, LLC. (TN)

Student loan from Sallie Mae in XX/XX/XXXX still on my credit report that states in default collection. Called Sallie Mae when I payed everything off! Represtative stayed all loans were ALL PAID OFF IN FULL. Merged with navient got collection letters calls. No bills to my address never once did I receive a bill! This account was in XX/XX/XXXX and should have been removed permanently in XX/XX/XXXX even if I was in default which I wasnt! This is unlawful and unacceptable when I have paid this off. Not to mention got a confirmation from the representatives. Now I am struggling with correcting my credit. Also going thru XXXX. And lastly the school has been CLOSED. I just want an honest person to close my account so I can more on with my life and not deal with this outrageous account balance.
Consumer complaint received 2019-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I purchased some items from two retail stores. One online at XXXX ( XX/XX/19 ), and one in store at XXXX ( XX/XX/19 ). I used my citibank debit card for both purchases. I later needed to return part of my purchase from the XXXX order, to the value of {$120.00}, and the item from XXXX to the value of {$49.00}. I went in store to return the XXXX item ( XX/XX/19 ) and mailed the XXXX items back to await my refund ( XX/XX/19 ). I then needed to close my Citibank account the following day ( XX/XX/19 ), being told by Citibank that there were no pending transactions on my account and that it was safe to close. XXXX informed me that their refund would not process to a closed account and that it would instead bounce back, at which point I would be able to request them to send the money to a different account. XXXX gave me similar information, that the refund should bounce back and they could then process the refund to a different account. After waiting the requested amount of time by both retailers ( up to 10 business days ) I contacted both retailers and asked if the money had bounced back, however both said that the money had been accepted by Citibank ( and sent their proof/bank response codes, attached ). I then called Citibank to locate the missing refunds, however they informed me that there was no possibility of the money being deposited into a closed account and they did not receive the funds. Since then, I've visited several branches, and spoken to several representatives at Citibank who all said Citibank could not locate funds and therefore the funds were still with the retailers. The bankers even submitted tickets to technical support ( twice, one of these is attached ) which I never received ANY responses to - not even a negative response, I was completely ignored. One banker told me the money would be located within a ledger at the branch that I opened my account in, so I went to that branch and of course they could not locate the funds in the ledger. It has been months and I've spoken to every possible person that could help me from all three companies and no one can locate the funds. Please see attached my final statement from Citibank that shows both purchases highlighted, with no refund amounts from either merchant present on the account by the time of closure.
Consumer complaint received 2020-05-20
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. (FL)

XXXX XXXX XXXX reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with TransUnion and XXXX. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from XXXX. See enclosed. I am sick over this and will persue legal action against this place if not rectified.
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (OH)

Last year ( 2016 ) I received an issue of XXXX XXXX XXXX that I did not order. I contacted the company ( I believe XXXX XXXX ) provided on the bill statement for the subscription. I explained I never requested the subscription and did not want it. I did not receive any further issues. I now have received a notice from North Shore Agency, debt collector for the XXXX XXXX XXXX payment of {$49.00} for 26 issues. This false.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Collections U.S.A., L.L.C. (TX)

I was involved in an XXXX XXXX on XX/XX/XXXX. I treated for this injury from XX/XX/XXXX until early XX/XX/XXXX at XXXX XXXX and I was under a letter of Protection. I should not have been billed for these services but I have been continuously billed for them.