davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX is inaccurate reporting to my Equifax credit report. The asked in dispute letters agency to remove this account because XXXX closed without any reason because they decided to stop accepting my payment out of my account which was set on auto pay. I reached out to XXXX to get an understanding of what was going on and they gave me no response and close down my account without notice. account is being reported as a charge off showing past due balance.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (OH)

I signed a loan for my granddaughter because she had no other way to be able to go to XXXX school. She was paying her loan payments after she got her 1st job. She was a single mom raising a XXXX on her own. At times she struggled to pay it. They constantly taunted her and I for payment. My father died in 2007. At that time they filed a claim on me to get payment and succeeded. They took every bit of my portion of my dad 's estate. I am single and on a small income and needed that to survive. That was money my dad had worked hard for. I was XXXX on the job I had and could no longer work. You do not believe how inhuman they are. Letters and calls to me harassing me all the time. Still send letters of abundance just to get more. I tried to talk to attorney over them taking my income away. They do n't care. My granddaughter has recently lost her job and now with little money, they hound me. Help me to stop all this. I deserve my portion of my dads estate back. They are cruel.
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (PA)

Had XXXX  yr lease, with no problem on monthly payments. Returned the car ( 3yr/36000miles ) with only no more than XXXX  (? ) miles on car & told dealer there was an issue that i felt KIA had a responsibility for. this issue was about side panel damage on the car and i was told by dealer leave the car and to call kia customer service. i did so and after following all kia customer service 's directives, within 2 mos or so we resolved the problem and we both shared the cost and i agreed to a price to repair the car damage. I paid my portion & found out months later that my credit was damaged since KIA said my account was open and they presented my account as having history of " unpaid payments ''. So i then i had been branded with a " payment deliquency '' from the credit bureau from that point on ... .that was 4-5 yrs ago. I tried for months to present it to the credit bureau, they agreed the payment history was good but they kept sending me back to KIA, who would not help at all even though they also said the issue was was over the car damage and not any payment. ( At the time, I had other credit cards accounts only on my credit history for years and they were all very good history. 
After receiving a check for {$100.00}, I did call hyundai capital and they said i was eligible to call KIA to get them to remedy the issue. I was shown how KIA was mandated to do so. This was about XX/XX/2023, I called Kia and after two or three people involved in two separate attempts, finally at the last call i was put on hold repeatedly ... left there for 15+ minutes then got a pick up and an immediate hang up. ( the number i called was given to me by HYUNDAI Capital so i called Kia - XXXX ) Today i called HYUNDAI Capital back and they directed me to make this complaint here.
Consumer complaint received 2020-10-06
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: Experian Information Solutions Inc. (CA)

I filed a FTC Affidavit report and credit report pertaining to a a data furnisher listed on my account XXXX XXXX XXXX. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with Experian immediately and XXXX it was removed from Experian on or around XX/XX/07 I gave the report attached. What XXXX  XXXX  then did was change the account number with XXXX  to XXXX which allowed it to stay reported on my account and resubmitted it to Experian under this new account number and statement saying the account is current! Experian deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the comenity account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from experian with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the XXXX I need it to be resolved immediately so I can reapply with the XXXX so I can get back to business. I attached an updated FTC report with the new XXXX  XXXX account number and as per FCRA LAW XXXX its should be permanently deleted from both XXXX and Experians credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with Experian its XXXX and with XXXX  they are XXXX/XXXX, XXXX, and wise XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX
Consumer complaint received 2021-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (NV)

On XX/XX/XXXX at XXXX I used my Current Debit Card to make a transaction from my Current Checking Account to my XXXX XXXX XXXX so that I could move it to my other debit card not related to Current so I could get gash to pay my rent. During the transaction XXXX approved the transaction for receiving the monies, however Current Bank declined the transaction at the last minute, therefore holding up my 600.00 in a pending status. This is the only money that I had. Today my family and I are sleeping in our vehicle because we could not access our funds to pay our rent. Current will not help solve the transaction they want the time to run out of 10 days. I don't have 10 days, we have no food, no shelter. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX living now in a car because of this nonsense. Today is XXXX and I can not even get enough money for a meal for them. I am standing out begging strangers to please help us all because current pulled some shady transaction and held up all my money. I spoke with XXXX XXXX and they indicated that is a common occurrence with this Current Bank. It is fraudulent and I bet if someone looked deep enough they would find some fraudulent activities going on. As of now I am out 600.00. I am seeking legal help come Monday morning. I may not get anywhere but I at least have to tell my story in hopes someone will listen.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NH)

On XX/XX/ I contacted Synchrony Bank/Care Credit in regards to the fact that their policy of applying an interest rate of 26.99 % to my account was not made clear to me by the company both when I applied for the loan and throughout the course of my loan. Per their Terms of Service I filed an Appeal Form and included the necessary documentation because, as stated on their Appeal form I was not adequately informed I would owe interest on my account if the balance was not paid in full by the end of the promotional period nor that interest accrued on my balance during the promotional period starting from the date of my purchase. The Care Credit card was advertised as " interest free. '' By the time I had paid off my Synchrony/Care Credit loan, I had paid over {$2100.00} in interest even though my payments were always on time. 

Though the letter on XX/XX/23 was my fourth time attempting to contact Synchrony/Care Credit, I have yet to receive any response from them in writing. Strangely, the only response I have received was an email on XX/XX/23 from Synchrony/Care Credit informing me that my dispute had been resolved with a link to fill out a survey. Just to be clear, never once did they reach out to me to resolve this, so I'm hard-pressed to understand how they can thus determine it resolved. 

I'm writing to you because I have exhausted all other avenues with attempts to contact this company to work at some fair resolution. Moreover, I have long since paid this loan in full and have ( despite repeated written requests ) never received written confirmation the loan is paid off. 

Thank you for your time. I look forward to working with you in hopes we can generate a fruitful response from Synchrony/Care Credit . 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (MA)

Someone opened two credit cards fraudulently under my name with XXXX XXXX. 

I called XXXX XXXX and opened a fraud case. XXXX XXXX cancelled these two cards.

On my credit report, I noticed I had 9 recent inquiries that are fraudulent, relating to this incident : 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
Consumer complaint received 2022-03-22
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 (NC)

On XX/XX/2021, we entered into an agreement with XXXX XXXX XXXX to complete the upgrade for our shower. Unbeknownst to us, XXXX went to Synchrony Bank to finance the project without our consent or knowledge. During the construction we saw that the materials and quality of work was not up to par with what was agreed in the contract. We contacted XXXX and requested they send someone to our home to witness what was being installed and the quality of the installation. They did not show after promising that they would send someone. 

After several months we sent XXXX a certified letter along with a faxed copy requesting that effectively immediately the contract was deemed null and void and for them to come and remove all tools and material from our home. They did not or have not come and removed the tools and material. 
Several months later we received a payment notice from Synchrony indicating that XXXX XXXX XXXX was paid for the project and this payment was not agreed to by us. 
We also sent Synchrony a letter protesting the payments along with the letter and pictures that we sent XXXX  indicating the lack or quality and incompletion of project. 
We received a response from Synchrony indicating that they had completed an investigation and their decision was decided on XXXX behalf. We requested a copy of their investigation into this mater and as of this date, have not received a copy detailing the basis of their decision.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I received a Loan Modification from XXXX on my home in Georgia in XX/XX/XXXX. XXXX transferred my loan To Select Portfolio Servicing but my modification was not transferred. I was in bankruptcy at the time and the judge had to approve my modification and he did. SPS offered me the opportunity to get a modification in XX/XX/XXXX. I sent SPS a copy of my modification in return they sent me a letter stating that I withdrew my account from the modification process. I did not. I would like for SPS to acknowledge my modification because it is valid. 
Thank you.
Consumer complaint received 2022-11-10
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: SYNCHRONY FINANCIAL (NM)

I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.
Consumer complaint received 2020-03-12
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: DISCOVER BANK (CA)

I called the lawyers to return my refund amount of an estimate of {$300.00} and they have failed to do it. I also stated that they need to remove the credit report in my file and they have also failed to remove it. They have known that this is an identity fraud in my credit file since mid XXXX an estimate of XX/XX/2019 from Discover Credit Card that went to collection and now the XXXX XXXX XXXX has the authority of all the financials. Attorney XXXX and XXXX are the ones I have spoke on the phone and both attorneys have ignored my requests.
Consumer complaint received 2015-03-22
Product: Credit card — 
Issue: Late fee — 
Company: BB&T CORPORATION (GA)

BB & T received an electronic payment on my account. On at least XXXX occasions, they took excessive days to post the payment, making the account past due and thus charging a late fee. XXXX instance was 9 days ( 6 business days ) ; the other was 13 days ( 8 business days ). They refuse to waive the late fees saying it takes several days to post payments.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NY)

A vehicle lease was opened fraudulently in my name, I contacted Equifax first and they verified the account as accurate and told me to contact the furnisher. I made a complaint to the consumer financial protection bureau about equifax and contacted XXXX XXXX directly. I sent them a letter of validation as required by the financial credit reporting act requesting all the documents with my signature and matching identifiable characteristics. Please note : I never received what I asked them for, instead they sent me a fraud packet to fill out and a list of identity documents to submit which included. Birth certificate, copy of social security card, drivers license, passport, phone bill, police report. This dispute has been going on for over 1 year and a half with no corrective measures taken. This XXXX I received a letter from XXXX XXXX stating that their records indicate a credit application was submitted fraudulently in my name by XXXX XXXX and is invalid due to identity theft. This letter also stated that the account will be removed within 30-45 days. I have since contacted XXXX XXXX being that 45 day period expired to inquire about the account remaining on my report and they denied having any knowledge of any letter that was sent to me regarding the removal of this fraudulent account. Below I have attached the actual letter and envelope it came in, please take note of the dates on both.
Consumer complaint received 2022-03-22
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: AES/PHEAA (OH)

I was contacted by a dunning notice soliciting collection of {$120000.00} from Fed Loan Servicing on XX/XX/2021 that I owe a debt. After responding with a direct dispute on XX/XX/2021, they began reporting negative and defaming information on my credit reports around XX/XX/2021. I have been denied credit and my credit worthiness has been compromised. I do not agree with the accuracy and integrity of the information. I have research the CFPB Website and found that : 12 CFR 1022.41 ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 d ( 1 ) ( 2 ) ( 3 ) ( 1 ) i Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Consumer complaint received 2020-04-19
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. (PA)

Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and XXXX  Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name. I have contacted this credit reporting bureau multiple times and requested an investigation to verify the inquiries listed in my complaint. I also ask them to remove these fraudulent inquiries in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

Springleaf is reporting that a payment has not been received since XXXX 2016 and are also reporting the wrong balance. Not only have I made timely payments all year, I have made extra payments towards my balance. They are reporting a balance of XXXX however my balance is XXXX. This is affecting my credit report.
Consumer complaint received 2015-05-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (GA)

Hello, This loan I borrowed from XXXX Cash on XXXX/XXXX/15 and first pay due on XXXX/XXXX/15. Well the charges and fees if paid on XXXX/XXXX/15 would be {$630.00} total due back. Below are all the payments I have made on the account totaling {$800.00} : Paydates and amountsAmount Borrowed - $ 500.00amount owed if paid in full by XXXX/XXXX/15 - $ XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX loan should be paid in full by now and should not still be making payments. But instead they are still stating that I owe and showing the total loan amt due back to them a little over XXXX thousand dollars. This is predatory lending at it 's best and should not be allowed.
Consumer complaint received 2021-08-04
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. (MI)

MADE PAY TO DELETE ARRANGEMENT WITH XXXX XXXX. ACCOUNT IS CLOSED AND PAID OFF. BURUEA DOES NOT UPDATE THE REPORT. LETTER IS NOTARIZED AND SENT CERTIFIED MAIL FOR COURT PROCEEDINGS.
Consumer complaint received 2020-04-19
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. (IL)

The dispute is against the 3 credit bureaus ( Equifax, XXXX, and XXXX ) for violating the FCRA several different times. I sent disputes about this inaccurate and unverified information via certified mail to all 3 bureaus as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. According to the FCRA 623 ( 3 ) - they must notate that there has been a dispute when one has taken place ( they failed to do so several times ) and the items need to be deleted. According to FCRA 623 ( 9 ) ( b ) ( E ) - if information disputed by the consumer is inaccurate, incomplete, or can not be verified.. ( ii ) delete that item of information. According to FCRA 611 ( 6 ) ( iii ) - they must disclose the description of the procedure used to determine the accuracy of such investigation, they failed to do so several times after I requested. All of the closed accounts showing on my report have a past due amount, which is by sheer definition is inaccurate. Those same companies are also reporting negative information to my account each month in the form of late payments when these accounts are closed ( more inaccurate info ). They say the accounts are " updated and verified '' but I am not sure how because the information is not accurate. They show no type of proof they did an investigation at all. I am hoping I can depend on the CFPB to be the watchdog on the bureaus and get them to follow the law.