davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.
Consumer complaint received 2019-03-06
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: PENTAGON FEDERAL CREDIT UNION (AL)

I tried to come to an agreement with the bank XXXX XXXX. I wrote, emailed called and sent letters they just charged off my account and submitted it to collections. I submitted disputed with XXXX  to no avail. This my last hope to be able to get this resolved and try to fix my credit. I never not wanted to pay on the contrary I had always paid on time and fell on hard times but I still wanted to come to an agreement.
Consumer complaint received 2020-10-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters has reported that I owe XXXX XXXX XXXX {$3300.00} which has impacted my credit score. In fact, I just received a letter in the mail stating that I actual owe {$310.00}. I have attempted to correct this through XXXX  and XXXX   but I have not been able to submit this letter proving the large amount of {$3300.00} reported is incorrect.
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FCI Lender Services Inc. (CA)

FCI Lender Services posted a new late charge which by 10 % higher than Regular interest charge at original 9.99 %. Therefore they charged me at total of 19.99 % as a excessive interest which unreasonable. I would dispute on this charge. on XX/XX/2021 Previously on XX/XX/XXXX. another 19.99 % late charge applied to my statement which was not reasonable and unfair charge I would dispute this amount this charge. 

FCI Lender Service Contact Info : FCI Lender Services , Inc. dba FCI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Toll Free Main Line : ( XXXX ) XXXX, Phone : ( XXXX ) XXXX Loan Servicing Fax : ( XXXX ) XXXX, Specialty Servicing Fax : ( XXXX ) XXXX Business Hours : XXXX XXXX  to XXXX XXXX  PT, Monday through Friday XXXX XXXX Licensing System # XXXX | CA DRE # XXXX
Consumer complaint received 2017-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

On XXXX separate occurrences during the winter of XXXX of XXXX I was told many times that I was not able to remove my father as a co signer. I was also told that I was not able to have my interest rate of XXXX percent refinanced. I was told that there was nothing I can do and that this is something I would have to deal with. They never explained ways that I can try and beat the debt only ways to prolong paying. Currently I 'm not able to get above the principle of the loan and currently see no end in site to paying this off.
Consumer complaint received 2024-02-12
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. (FL)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Consumer complaint received 2021-08-07
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. (MS)

Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$3500.00} This is a formal complaint against Equifax , XXXX  , and XXXX  . They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

I have also disputed this account directly with the furnishers - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, they keep sending me the same letter response every time. They can not provide any legitimate proof that this debt is indeed accurate and correct as they claim and as it shows in my credit report.
Consumer complaint received 2020-07-12
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. (TN)

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them?
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have sent multiple letters of dispute over the course of 4 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (OR)

I sold my home on XX/XX/2021. Later I received a call from the lender, NewRez Shellpoint Mortgage Services telling me the title/escrow company had not sent enough money to close the loan. I reached out to my escrow agent at XXXX XXXX XXXX and they double checked on the phone that they sent the amount in the Payoff they received. I forwarded on the information, and telephone number of the agent that called me from NewRez Shellpoint. They spoke one time and were suppose to receive additional documents. They never received anything and have continued to reach out to this agent with no reply. I have attempted to reach this agent with no reply. I am being charged around XXXX dollars interest a day. This amount left is on my credit report and potentially damaging my credit. I need this addressed. 

XXXX XXXX
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX a payment was made for {$2000.00} dollars instead of the {$200.00} dollars I intended. I have called this company time and time again. I spoke with XXXX employee ID XXXX and was assured my refund would be processed. Its been a month and my refund has not been processed. Instead my limit was lowered.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

This is not a verification dispute. XXXX/GLELSI Account # XXXX is old and is reporting 14 years on my credit report. 

XXXX/GLELSI is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX/GLELSI actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. USDOE/XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. USDOE/XXXX  has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old USDOE/XXXX  Account XXXX.
Consumer complaint received 2017-11-16
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: JPMORGAN CHASE & CO. (NY)

Paid {$270.00} for a conference, but found that my health system paid for the bill. Credit card company has all the check information, but wont refund my money. Check # XXXX was cut on XXXX for {$1000.00} ( 4 registrations @ {$250.00} each ) and sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The check was for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit reporting agency incorrectly keeps reporting a collection account from XXXX XXXX on my credit report. It shows the balance being updated in XXXX for {$680.00}. I asked for this debt to be verified and because XXXX XXXX has not provided any proof of this debt or verification, it should be removed. Credit reporting agency keeps reporting it as true and on my report although it is not and has not TRUELY verified the actual debt from the debt collector.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : U S DEPT OF EDXXXX  Account XXXX XXXX Account Name : U S DEPT OF ED/XXXX Account # XXXX Account Name : U S DEPT OF EDUCATIONXXXX Account # XXXX XXXX  Account Name : U S DEPT. OF EDUCATIONXXXX Account # XXXX XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX  XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX Account Name : XXXX XXXX FACT Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Two purchases were made with my Bank of America debit card in XX/XX/XXXX totaling {$360.00}. The first, on XX/XX/XXXX, totaled {$160.00} and the second, on XX/XX/XXXX totaled {$200.00}. Both charges were to XXXX. I submitted a claim to Bank of America on XX/XX/XXXX and was initially credited the money back. However when the claim was resolved on XX/XX/XXXX Bank of America determined that I was at fault and took the money back out of my account. I suspect my information was skimmed online off of one of the sites I use for shopping, and Bank of America essentially said that because it did not occur at an ATM, they did not believe me ( and because the amount was not high enough ). They did no original research, including contacting XXXX. 

I called XXXX myself and was able to determine that the address both purchases were shipped to was the same P.O. box in XXXX, Florida, and the representative expressed shock that XXXX 's system would not have flagged the order due to the " sketchy '' address. I have lived only in XXXX and XXXX XXXX within the last 10 years, and have not even visited Florida in many years. I was not able to get this information in writing, however, XXXX said they could release it if I came back with a subpoena. 

I submitted a dispute that same week in XX/XX/XXXX with Bank of America, outlining the new information I had received from XXXX. I was told I would receive an answer within 60 days. Well over 60 days later, on XX/XX/XXXX, I still had not heard any new information from the bank, so I called their fraud department to check in. The only information they were able to give me was that the claim had not been processed yet, but that they would put a note in my file and I could expect to hear again in 60 days. Needless to say, my confidence in their process is low. 

{$360.00} may not sound like a lot of money to some, however I am a full-time graduate student reliant on federal loans and low-paying part-time employment, and it would make a huge difference in my ability to pay rent this month. All else aside, I did not make those purchases, and Bank of America is responsible for protecting me from fraud.
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express send a card under a wrong name I have been requested American Express to correct my name and I send them copy of the driver license passport first they didnt except it via fax I dont use envelope or stamp for a year I had to buy envelopes and stamps and still American Express failed to correct my name. 
I dont undrestsnd what they trying to achieve by making it difficult and giving me a hard time I cant use the card because it doednt have the correct name
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

In XX/XX/XXXX we re-financed our auto loan from Ally to our credit union. Credit union sent a cashiers check in the amount designated as 10 day pay off. I received a letter dated XX/XX/XXXX from Ally on or about XX/XX/XXXX stating that there was a balance still. I called there customer service on XX/XX/XXXX and was advised with reference # XXXX that remaining balance was being waived, to follow up in about 1 week. Received another letter dated XX/XX/XXXX on XX/XX/XXXX, and again I called Ally customer service, representative XXXX stated to dis regard this letter and confirmed that said balance was being waived, she then gave me a new reference # XXXX. Called Ally customer service in XX/XX/XXXX to follow up on previous calls, was given same reference # ( XXXX ) as the XX/XX/XXXX. Again representative stated remaining balance was waived. XX/XX/XXXX follow up call to Ally customer service was told that remaining balance was waived and given new reference # XXXX. XX/XX/XXXX follow up call to Ally Consumer Solutions dept, representative XXXX ( id # XXXX ) stated remaining balance was waived per XX/XX/XXXX reference # XXXX. In late XX/XX/XXXX Ally finally sent release of lien letter to our credit union. Somewhere between XX/XX/XXXX and XX/XX/XXXX Ally had reported to Credit bureaus that we had late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX that show as 30 day late then 60 day late then 90 day late then 120 day late. Now here in XX/XX/XXXX after we applied for new lease with Ally and was denied. I called and spoke to Ally customer service, representative XXXX stated that remaining balance was waived in XX/XX/XXXX and gave me case # XXXX. XX/XX/XXXX Ally customer service representative XXXX stated that balance was waived and letter was being sent to credit bureaus stating that late payments submitted by Ally were in Error, as well I was sent said letter but the letter isnt what XXXX stated, it still says those 4 late pays are there. XX/XX/XXXX Ally customer service representative XXXX XXXX Id # XXXX ) stated remaining balance was waived per XX/XX/XXXX reference # XXXX. She also stated that she doesnt know why it took til XX/XX/XXXX to be put in system. I have documents from both Ally and my credit union along with all the info I listed here that shows Ally is in Error by reporting our account as late to credit bureaus that is listed above ( XXXX, XXXX, XXXX, XX/XX/XXXX. My wife and I have spent many hours over the past year trying to get Ally to remove the Derogatory marks from our credit report.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (FL)

The attempts to collect a ridiculous amount of fines and a made up settlement. XXXX XXXX XXXX. Policies to get out of a contract are predatory and impossible you end up paying for a full year no matter when you try to get out of the contract. Their practices need to be stopped, the contract is bias to XXXX and needs to be stopped. 


They dinged my credit for a nominal amount, I was subject to calls by credit agencies and letters and repeated harassment.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

My car payment is {$470.00}. Although I maintained insurance and submitted proof, this company put force place insurance on my account. I paid my account in full for XX/XX/XXXX this company gave my a late delinquency on my account because I did not pay for there forced placed insurance.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stearns Ventures, LLC (VA)

XXXX is my case number with institution. 

I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called Stearns immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me ( after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, 3 separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over 120 points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards ( which I had no problems previously ) and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that Stearns should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.
Consumer complaint received 2019-03-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (AZ)

It started in XX/XX/2018, I scheduled a payment online through the company 's online portal. I verified in my bank it was scheduled to come out. A month went by and went online to pay again and i scheduled my payment. There was no information made available to.me that my payment in XXXX did not go through. In XXXX I attempted to pay online and was notified I could not. So I called caliber and was told I was in pre foreclosure to my shock. I still had not recieved a phone call, email, or physical mail saying I missed any payments. When I asked how much I was behind I informed them I did not have the full amount but could pay half. The employee on the phone directed me not submit half and to wait until I had the full amount. Once I collected the full amount I had my wife go to the bank to wire transfer the money she called caliber and was told it's to late you are in foreclosure. And again was directed not to submit payment. I called as soon as I could and was notified by a new employee both employees I had spoke with before were wrong and I could have submitted payment and stopped the process. I asked if sense that information result in the foreclosure process starting they could stop it and allow me to pay they said no. I was told to ask for a re reinstatement amount, which had jumped XXXX dollars in 2 weeks. I no longer had that amount to pay. I found away to get the money called and was told that figure is old there is a new amount and it had jumped another XXXX dollars in 2 days. I couldn't keep up asked for help and was denied and told I had to pay in full and that's the only thing they would accept. I am now facing a foreclosure because they wont work with me or anyone and I have spoken with attorney 's and at this point they say they dont believe they could help me in time. After only 3 missed payments I was Sent into foreclosure.