davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

In XX/XX/2016 I purchase a XXXX for {$18000.00} that was financed with XXXX XXXX. As soon as I purchased the vehicle I began having problems with it. ( For ex. XXXX XXXX, which would shut down other elements of the vehicle if not properly repaired XXXX The company never fixed it. After several attempts and threats to bring in the news media, I was given a temporary car as they repaired it. A week later the car shut all the way down as I was driving. Managed to get the vehicle home and they sent the car back to the XXXX dealership costing me an additional {$300.00} for the repairs as they paid the remainder of the balance. After about 2months, the car shut down again. I was given the option of trading the car in but with a new down payment amount, which was ridiculous considering this was the same issue I was having when I initially purchased the truck. After days of negotiations, the truck was return and I was left holding the bag. The truck was apparently sold at XXXX and a balance remains. The debt was then sold to a collection company that is threatening to take me to court for the remaining balance on a truck the I never had the opportunity to enjoy. This is unfair and is probably happening to consumers across the nation. It is predatory lending at it's best.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

XXXX someone Zelles themselves {$250.00} from my account to theirs. Promises to provide services to me because their intent was to add their information only not send the money to their account. 
XXXX services still not provided. Owner says just call your bank and say I never gave you the services & you will get your money back. Dont tell them I sent the money to myself or my business account will be flagged. I call Chase Bank they say they can not file a dispute because I did not receive services. 
XXXX contact chase bank to let them know this person sent the funds to themselves and promised services but I never received them and person is refusing to send a refund. Chase says they can not reverse transaction because I have phone to person. I only have phone to person to enter their XXXX info because they said it changed I never agreed to pay for services before hand.
Consumer complaint received 2022-10-06
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: Home Loan Center, Inc. (TN)

I received a notification from XXXX that LENDING TREE ran my credit without my consent, knowledge, permission. I have no made any attempts to open an application with this company. They have my information and are using it.
Consumer complaint received 2022-10-06
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)

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at XXXX while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my XXXX XXXX as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-03-28
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. (FL)

I contacted XXXX by phone about my mortgage payment ( s ) being late due to hurricane Irma in XX/XX/XXXX. I was informed at that time that there was a program that I could participate in that would not penalize me for missing my mortgage payments from XX/XX/XXXX through XX/XX/XXXX. I was told there would not be any late fees or negative impact to my credit as a result of participation in the program. I'm sure there is a recording of this call. I was told that I could apply for a modification to my mortgage, which would include the missed payments. I felt such relief and appreciation. In XX/XX/XXXX I began resuming my mortgage payments and at that time XXXX  reported my loan 90 days delinquent to credit bureaus! I was mortified considering I was told that this modification would not negatively impact my credit. I believe I was mislead and now have two or more months of 90 day late payment status on my mortgage I am paying trial payments and feel this account status is not fair to me. If I was aware that this would happen, I would have taken a loan to get the payments in. XXXX  assured me that everything would be just fine and this would not impact my credit. I was approved for the modification.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

PNC refuses to allow approved 3rd party companies to access my bank account via XXXX, a well-known authenticator in the banking industry. This is unfair and is basically forcing me to find a new bank to get around these restrictions - which are unheard of at other banks.
Consumer complaint received 2017-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation (GA)

Telerecovery is trying to collect a debt that I do not owe. I have asked them to provide me with proof that this account belong to me and that I am obligated to pay them anything. Telerecovery has not provide me with any documents stating that I am obligated to pay this debt. Telerecovery is in violation because they are reporting a debt on my credit file that I do not owe and not to mention ( they have not provided me proof that they own this debt that they are trying to get me to pay. ) Please help in getting this debt removed from my credit file.
Consumer complaint received 2020-08-28
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED COMMUNITY BANK (GA)

On XX/XX/2022 I notified my bank that a check I mailed to a business had been changed and that the entire check had been rewritten. I don't know if it was stolen from the mailbox or if someone at the company did this. 

I drove to the bank, they pulled the check since it was actually physically in their branch and stated the check had been clearly washed. Watermarks were visible on the check the the check 's original background was missing from the check. I showed them my carbon copy of the check in my check book to show how the check was originally written. They informed me that people do this to themselves all the time, but they didn't think I had done it. They also stated that if I had found the issue in 24 hours instead of 36 hours they would have returned my money immediately. Today, XX/XX/XXXX, they are telling me that they still have 10 days to review the claim instead of returning my money to me and that the day I reported the issue and holidays don't count against their days. 

The police have been to the bank, issued a subpoena and the bank is still refusing to return my money. 

It's a lot of money for me, {$7600.00}. Under the law they have 1 day to return the money once they have identified that they made a mistake but are unwilling to return my money.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (TN)

GM Financial in XX/XX/2018 had a system wide upgrade that caused a lot of billing issue for customers. After their system came back online in XX/XX/2018 they incorrectly sent me a bill for {$38.00} instead of my normal bill for lease payment of {$580.00}. At the time I called their Customer Service and they indicated that that was an incorrect bill due to the system upgrade and to pay my normal payment due XX/XX/2018. On XX/XX/2018 I payed the full amount {$580.00} and since then they never reported to me a being late or any further issues. Now I returned the vehicles after paying in full the lease and on the Final Bill they are telling me I am past due the amount of XXXX and this amount is the exact amount if you subtract the XXXX from my normal bill in XX/XX/2018 of {$580.00}. GM Financial made a mistake and I do not owe this amount as I payed in full in XX/XX/2018 {$580.00} PLEASE CORRECT YOUR RECORDS as I do now owe the XXXX
Consumer complaint received 2017-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

So I got a used car loan from XXXX XXXX, and they put the wrong address on my account, I stay at XXXX XXXX XXXX XXXX NC. They put some Virginia address where I didn't stay at.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

I received a text message from my Father on Monday XX/XX/2020 In reference to a purchase in the amount of {$6.00} that he made on his PayPal MC through Synchrony Bank and the item never received. My Father put in a dispute and the {$6.00} was refunded. On XX/XX/2020 the same merchant put a charge in the amount of {$95.00} on his PayPal MC. My father is XXXX years old and has a XXXX and is unable to speak to use the phone. This is were I came in to help my Father. I called Synchrony Bank on or about XX/XX/2020 to see what process needed to be completed to help my father rectify this issue. I was told by a customer service representative that I needed to have my father type up a letter with his name, address, SS, DOB, Synchrony CC account number my name, address, SS and DOB have my Father sign ( no notary needed I asked ) and fax it  to a specific fax number. This would be a lead time of 7-10 days and to call back to see if they received the letter. I followed their instructions and when I called back they did not receive the letter. I faxed the letter again, waited 10 days called back and was told that was not the proper process. I was told by a supervisor in a not very nice manner that my Father needed to obtain a durable power of attorney and I need to fax the POA to a specific number. Additionally, I was told by the supervisor that if one thing was wrong with the POA it would be denied. To review the POA this would have a lead time of 7-10 days and to call to see if received. My father received notification in the mail from Synchrony Bank on XX/XX/2020 that they received a request from my Father to add a POA to his CC account and that additional documentation was needed. On XX/XX/2020, I spoke with a Synchrony Bank customer Representative that explained to me that not only would I need to complete additional documents that I need to sign and have notarized, that they need to receive a letter from my Father explaining exactly what authority he would want me to have. I tried to explain to the representative that a durable power of attorney states what authority I have. I first reached out to Synchrony Bank on or about XX/XX/2020 and it is now XX/XX/2020 and I have not been able to resolve or help my Father 's problem. Meanwhile, on a daily basis he received numerous phone calls, emails and mail in regards to his account not being paid. Additionally, his credit score has gone from the XXXX to XXXX. I will complete the steps that need to be taken to received the authority needed to resolve this problem. My problem is each time I call I have to send more information due to not receiving the correct information each time I call.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

I am writing about a problem that I have had with getting Citibank to pay out a refund of {$2300.00} for a fraudulent charge made on my elderly mother 's credit card back on XX/XX/2022. Note that I have power of attorney for my mother 's account. Citibank has agreed that the charge was fraudulent and to pay the refund. However, they have stil not paid the refund as of XX/XX/XXXX. Each time I call them, they have indicated they have closed the issue, but, when questioned, agree that they have not paid the refund and reopen the issue, only to close it again without paying. The frustration is compounded by the fact that the fraudulent charge was allowed by Citibank despite the account already having been locked due to prior fraudulent charges that we noticed. This appears to be an error with Citibank 's fraud handling system. The system is designed so that recurring charges ( e.g. monthly membership fees ) can still be posted by vendors even if the account is locked, but the system makes mistakes and sometimes allows repeat fraudulent charges to be posted even if the account was locked from a prior report of fraudluent use of the credit card.
Consumer complaint received 2020-08-28
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: AFNI INC. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2021-03-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Processing Group LLC (CA)

On or about XXXX XXXX I received a phone call from a place called XXXX whose name may have been changed or otherwise to Global or Debt Management Partners. Possibly Called National Processing As Well. They called family and myself making threats if I didnt make a payment then they would proceed with actions within the laws of my state regarding an XXXX XXXX XXXX pay day loan. I had been paying on this loan and the place was just XXXX. XXXX XXXX XXXX never called me or wrote me any communication and simply said pay when you can. The Debt collection agency also never sent me any written letter or otherwise concerning this debt. This situation caused me anxiety, nightmares and a health scare due to the XXXX I endured. They called from XXXX XXXX XXXX
Consumer complaint received 2019-05-29
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)

I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX-18 )  2. XXXX XXXX ( XXXX-18 ) 3. XXXX XXXX ( XXXX-18 ) 4. XXXX XXXX ( XXXX-18 )
Consumer complaint received 2024-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (NY)

Contacted Navient for release of co-signor. XXXX times they denied my application without any justification. Pressured the co-signor to continue making payments. It should be noted this private loan was XXXX. Started making payments. Now, fraudulent company, calling itself Navient XXXX XXXX & XXXX has been contacting co-signor and pressuring him for payments. Today, I called them and told them cease and desist, spoke to XXXX XXXX. Please have your investigators contact this fruadulent company. My co-signor is elderly and this is very XXXX  on him
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX Experian XXXX XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( 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 XXXX report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. I have disputed this in accurate report before have called Bank of America over 20 times and they simply say that account has been closed and we have no access to remove the report. I simply ask why is it being reported as Closed for fraud why? 
Please verify the following account or remove it immediately. 
Bank of America Reported For : Fraudulent activity