davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed a collection account with XXXX XXXX, XXXX that is on my Transunion credit report. This collection account has been disputed several times with Transunion, and also with XXXX XXXX, XXXX. I have asked for validation of this debt in which I am entitled to under the FCRA. Every time that this debt was disputed, I have been told that the debt was verified. However, I have never been provided a signed contract with my signature on it between myself and the Original Creditor ( XXXX - XXXX ) or  XXXX XXXX, XXXX. I called XXXX to ask to get a signed contract with my signature on it, and they could not provide one. I asked XXXX to do the same, and their response was " You indicate that when you asked XXXX for a signed contract, they advised that account records are not kept on file after the debt was sold. Please note that it is not uncommon for a credit provider to archive an account once it has been sold. Therefore, when contacted by you, the representative of the original credit provider may not have had access to the pertinent account information. '' They also report the debt amount being {$4000.00}. According to correspondence from XXXX - XXXX, this information is incorrect. The Original Creditor states that the amount on date of sale was {$3900.00}. Reporting an incorrect amount is a violation of the law. XXXX agreed and has removed XXXX XXXX, XXXX from my credit report. I am asking for Transunion to do the same, and remove the collection account with XXXX XXXX, XXXX from my Transunion credit report immediately. I have attached correspondence from XXXX XXXX, XXXX and XXXX - XXXX as evidence.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2019-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I had fraud on my student loan over XXXX. Sallie Mae held the loan. Navient bought it. Monies dispersed to a college I never attended in another county. College shut down and Ive contacted Navient fraud over 20 times, no resolve. They say since it happened before they bought the loan they arent responsible. I called FBI, etc and they did paperwork. I was sent notice from XXXX  DC about my identity being compromised. Still no resolve and interest is growing. I need this issue resolved its been over 6 years trying to get someone to take responsibility. 

Navient also automatically defers and adds feed and compound interest without permission they just send notice of what they did to my account.
Consumer complaint received 2019-08-14
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 (CA)

ho may concerns this is happen onXX/XX/2019 i had made a reservation online through XXXX dated for XX/XX/2019 i purchased two tickets withXX/XX/XXXX for my parents coming from XX/XX/XXXX to XX/XX/XXXX ca the layover on both ticket were only 3:05hrs and than all of the sudden after purchasing  both tickets i got an email from XX/XX/XXXX saysXX/XX/XXXX change the layover to 13hrs instead of 3:05hrs so i called XX/XX/XXXX to ask them what happend i got the answer back those changes were made from XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX only third party i was on the phone with XX/XX/XXXX for about 4hrs trying to find a solution after going back and forth i request a refund for my transaction i was told from XX/XX/XXXX representative they are unable to refund the transaction they have to reach out to XX/XX/XXXXXX/XX/XXXXwhich they did and XXXX  airline refused to reverse the transaction so i went and called my credit card merchant services XX/XX/2019 i requested dispute i got the transaction refunded and i went and reserved another ticket through XXXX  XXXX dated onXX/XX/2019 so my parents did not  traveled on XX/XX/2019 with XXXX   XXXX  they went on XXXX XXXX instead after that i received a letter from my merchant services on XX/XX/2019 says that i need respond on by XX/XX/2019 and send the evidence of what happens which i did mail it back XXXX and i wrote statement stated the whole situation and a copy of both tickets as an evidence that my parents did not travel with XXXX XXXX merchant services they mailed me back a letter saying they are unable resolve this matter and they wont be able to reopen the case anymore because their claiming that they received the evidence very late which is not my fault iv got late respond from them now if i disputed the transaction because it's  my right i spoke with XXXX   bank of america representative she mentioned to me no body worked on my case i got charge back and i don't see it right i really need your help please immediately because i tried to reach back to bank of america merchant services they keep me on hold for a long time till the line hangs up by it self my case number XXXX sincerelyXXXX XXXX
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I NEED HELP!! I have recently looked at my credit report I noticed that someone was using my information to apply for credit. I live in XXXX I use to live in XXXX. I need to update my correct name and address on my credit report. My Name is XXXX M XXXX. mY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. THE FOLLOWING ADDRESSES ARE NOT MY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX THERE ARE TONS OF UNKNOWN CELLPHONE NUMBERS ON MY CREDIT REPORT PLEASE DELETE : ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I have never had this many phone numbers in my life please delete them they are not accurate.
Consumer complaint received 2021-07-15
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: Experian Information Solutions Inc. (NJ)

I have spoken with several different employees at Experian explaining that the iquries that are on this identity theft report are a result of someone stealing my identity and I have no clue how they got my information. I have been included in several companies where information has been breeched but until now I am just noticing things that were on my report.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (AZ)

I have one collection from XXXX XXXX XXXX for XXXX on my report. I have never had a XXXX account. They will not send me any information on the account in question. 

Another collection on my account is IC System for XXXX XXXX. I tried calling and the number was disconnected. Again, I have not had a XXXX account.
Consumer complaint received 2019-08-14
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. (AZ)

Identity stolen and used without my permission. Stranger used my information to try and open a number of credit cards in my name and while most were denied I know have many hard inquiries on my credit score because of it.
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been working on having my credit reports updated and corrected for months. Ive sent multiple letters starting the beginning of the year. To please have All inaccurate and unverifiable information removed off my credit reports, I have not been updated or notified, please remove all information or I will have to file for litigation,
Consumer complaint received 2019-11-17
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: CITIBANK, N.A. (MA)

This is illegaly re-aged. This account was not investigated properly, the date of last active is not reported the same as the other bureaus. Also the payment history is lacking a report.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have a mortgage account with XXXX XXXX that was removed in error by Equifax and XXXX. I would like for this account to be added to my credit report.
Consumer complaint received 2019-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX I made my payment for my home equity loan for XXXX. On XX/XX/XXXX I made my home equity loan payment for XXXX. The bank applied the payment I made on XX/XX/XXXX to the principal and not to the XXXX payment. They charged me a late fee for XXXX and applied my XXXX payment to XXXX, and my XXXX payment to XXXX. In XXXX, the bank manager at PNC Bank, XXXX XXXX, Maryland instructed me to make two payments, told me the late fees would be waived and that I would get {$150.00} ( the amount of my payments ) back within ten days. That was on XX/XX/2019. To date, I still have not received the {$150.00}. I have exhausted my attempts to contact the bank through phone calls, their XXXX page, and have now enlisted the assistance of any attorney. I am getting no responses.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (KY)

I've had two fraudulent charges made without my consent and have not been reimbursed on my lost funds nor have had the problem of the fraudulent website solved. I've contacted my bank and they can't help or fix the issue. So my account has been closed until something is done about it. 

1. GOOGLE *Com, GOOGLE *Com2uS Corp , Mountain XX/XX/2019 Debit {$100.00} 2. GOOGLE *Com, GOOGLE *Com2uS Corp , Mountain XX/XX/2019 Debit {$100.00}
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

it was opened 2008 XXXX credit card Balance ... XXXX acc..XXXX from. Portfolio Recovery ... XXXX This was not me. someone stoled my information. I was told couple of years ago this was all charged off and was done, now here we go again, filed paperwork before for this to stop, about 2 years ago. And the won't leave me alone.. 

XXXX XXXX. XXXX
Consumer complaint received 2019-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CarMax, Inc. (TX)

CarMax financial took a double payment from my checking account, I was charged {$170.00} in overdraft fees as a result. CarMax Auto Finance returned {$35.00} for the fee they caused, but they also caused me a additional, {$140.00} in fees. I have provided them a bank statement. One manager approved the request, the account department denied it. The servicing of my loan has been extremely poor and uneithical. I am asking for the {$170.00} to be applied to my XX/XX/2019 payment instead of money being sent to me.
Consumer complaint received 2022-04-06
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. (NJ)

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im sure that some person hacked my profile and get my personal information! DELETE this negative account.
Consumer complaint received 2021-12-03
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. (CA)

Earlier in XXXX of this year, I logged into my Citibank account and discovered unauthorized transactions for more than {$17000.00} on a credit card that I never use. 
No security alerts were ever triggered by Citibank. 

I immediately contacted their fraud department and because the number of individual transactions was over XXXX and I don't use this card I simply told the XXXX that I am disputing all charges. 
The person in charge of the investigation was XXXX XXXX. 

Almost 2 months have passed and all but XXXX transactions have been refunded. 
The outstanding transactions are XXXX balance transfers to an unknown bank account on XX/XX/21 in the amount of {$5000.00} as well as on XX/XX/21 in the amount of {$4700.00} in addition to a balance transfer fee of {$290.00} charged by Citibank on XX/XX/21. 

Because of this outstanding balance {$9900.00} still appearing on my account I have a payment due date of {$150.00} for tomorrow, XX/XX/XXXX. 

I called Citibank today and they claimed that I never disputed the balance transfers which is a lie. 
They also told me the name of their XXXX is XXXX XXXX which does not match the name I was given previously. 
The person I talked to also had no case number on file which must be a lie. 

I had a similar problem with this bank a couple years ago when someone stole my XXXX XXXX and made a few XXXX dollars worth of purchases. 
I had disputed all purchases and when I called back a month or so later the bank claimed that I never disputed the charges which was a lie. 

It appears that this is a common practice at this bank which is the reason for submitting this complaint. 

I hope you will be able to assist in getting these charges reversed.
Consumer complaint received 2021-03-30
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: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2021 I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. Thank you
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

The problem started when I bought carpet for my house and placed it on my card. First, they over measured and over charged me for the carpet. They stated they would come pick up the extra carpet and credit my account but didn't. I purchased the carpet under a promotion where I had to pay it off within 18 months without interest. I paid the account off in XX/XX/2021. I went into my account to purchase some paint and found out they closed my account. I called credit services and was told that I closed the account, which I did not do. I then checked my credit report and found out my credit score dropped 6 points from them closing my account. I sent them a letter stating my dissatisfaction with the way they handled my account. The response i got again was that I closed my account and no other charges could be made. I did not authorize or request for my account to be closed.
Consumer complaint received 2019-11-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is illegaly re-aged. This account was not investigated properly, the date of last active is not reported the same as the other bureaus. Also the payment history is lacking a report.
Consumer complaint received 2018-07-27
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. (GA)

XXXX  along with Experian and XXXX refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Santander Consumer USA Holdings Inc. (WI)

received a letter from chrysler capital regarding my leased XXXXXXXX XXXX XXXXXXXX. The letter stated that my lease was ending in 45 days and i needed to get ahold of the allegience team to inform them of what I wanted to do with the vehicle at the end of the lease. I contacted chrysler capital on XXXX XXXX to inquire about an extension to my lease as I broke my XXXX  and can not drive the vehicle at this time. I was told that they would make a request and to call back in 2 to 3 days to find out if it was approved. Called back on XX/XX/XXXX and was told that there was nothing noted in my file. was placed on hold and after about 10 minutes the customer service rep came back and told me that I would not be able to extend my lease UNLESS I had ordered a brand new XXXX and was waiting for delivery with a confirmation #. I don't want a new XXXX. I then inquired about purchasing the vehicle and was told to get ahold of the XXXX  team ( Chrysler capital lease option team ) to work that out with them. So i call the number for the XXXX  team and it immediately went back to chrysler capital. Chysler capital then informed me that I wasn't able to speak to the allegiance team. Im like, i paid all my payments and am current on the lease, whats the problem? I was simply told that I wasn't going to the allegiance team. They quoted me a payoff that was higher than the residual balance on my lease and then hung up. I don't believe chrysler capital wants to sell me my truck for the residual value ( XXXX ) because they want to get it back on the lot ASAP because the value on that truck in still around XXXX to XXXX. I paid over XXXX in lease payments. I would like to be able to discuss with someone the option to purchase my vehice after the lease ends.I keep buying/leasing XXXXXXXX XXXX and XXXX XXXX but have never been treated this bad in all the years I've dealt with them. Normally they've been pretty good, this time not so much. I know they have a shortage of vehicles and heard from enough people that they simply want all leased vehicles back because they are now suddenly worth way more than the residual value. ( the price i get it for at the end of the lease )