davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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. (SC)

Multiple hard credit pulls without my consent. Spoke to agent about the issue and he stated that they could pull credit as many times as they need as long as I have a debt. I believe this to be unlawful
Consumer complaint received 2022-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (FL)

The money owed or is being collected is from a stolen vehicle that was recovered, then sold at auction by insurance company. Also the remaining balance should of been covered by GAP insurance or primary insurance or both. It wasnt my fault for the vehicle to be stolen and had proper insurance coverage for such incidents if needed. I am not responsible for this {$6800.00}. Please contact GAP insurance through XXXX XXXXThank you
Consumer complaint received 2018-05-16
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. (NC)

I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance. 

XXXX has responded with an update as of XX/XX/XXXX. Document attached.
Consumer complaint received 2018-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

1st, Sallie Mae sold/handed off my loans to Navient, without my knowing/consent. 
2nd, On multiple occasions, when trying to get Navient/Sallie Mae to put my student loans in deferment status they decline. Saying that this is not something that they can do and that the payment plan they have me on is the lowest they can go. That there is nothing more they can do for me and my economic hardship.

3rd, When I was unable to make the minimum {$230.00} payment/mth. They harassed me saying that they were going to get their money. Called me a deadbeat and scum for not making my payments.

4th, When I was financially stead enough to make payments, they wanted an absurd amount upfront.
Consumer complaint received 2022-08-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account 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
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on XXXX it shows balance is {$0.00} on transunion it shows {$4800.00} on XXXX is shows {$4800.00} date opened on transunion it shows XX/XX/2016 on XXXX  it shows XX/XX/2016 on XXXX it shows XXXX
Consumer complaint received 2022-04-13
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (RI)

I received an email from Pay Pal about a request for money payment of XXXX. 
I did not request this transaction so notified Pay Pal but could not get any response or help to resolve the problem.
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I am the victim of at least {$39000.00} in unauthorized credit card charges allowed by Barclays against my XXXX XXXX bank account since XXXX - see attached list detailing unauthorized credit card charges. The list was provided by XXXX XXXX. 

XXXX XXXX says that these {$39000.00} in charges were electronic payments authorized '' by Barclays against my account ; yet XXXX XXXX can not tell me who at Barclays authorized these charges, and to whom payments were made. This is rather alarming, given the fact that I never used my Barclays credit card, or authorized anyone else to use it. 

I had a certified letter sent on my behalf to Barclays on XX/XX/XXXX ( copy attached ), asking them to explain how {$39000.00} in Barclays credit card charges - every one from a different credit card number ( some 59 in all ) - could be found to be authorized? And if so, to whom said payments were made? Interesting enough, Barclays also confirmed that no one else has a Barclays credit card with my name on it ; yet they can not explain how the charges were made against my account. All they will say is that the charges were " authorized '' (? ). 

On XX/XX/XXXX, I received a letter from Barclays ( copy attached ) noting that if I feel that fraud was involved, that I write to their fraud team at Barclays Bank Delaware, XXXX XXXX XXXX, XXXX, DE XXXX- which is surprisingly where my first letter was sent. This seems to be extremely non-responsive.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

XXXX XXXX XXXX XXXX keeps sending this account to collections ( I C Systems ) when I have told them years ago that this account was opened fraudulently. Now I am being contacted by yet another collections company about a debt that is not mine. I spoke with them and was told that I could get a discount to pay it down but that was the only thing I could do due to me not knowing how to get proof of who used the services with my information.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, I had opened an Old Navy credit card and made my first purchase in the amount of {$180.00}. The account was reported to the bureaus the following day. I had made and additional purchase on the card bringing my balance up to {$220.00}. I had paid my balance in full and had not used the card since. Fast forward to a week ago, as I started the process to get a pre-approval to purchase my first home, I was taken by surprise when my loan officer had asking me about a {$15.00} charge off to your company. I had to review months of records to see where and/or how this could happen. It appears that I was charged a fee or something in the amount of {$3.00} on my XXXX statement, AFTER I had paid the account off in full. To further complicate matters, I never received any statements following that payoff. This {$3.00} obviously went unpaid causing Synchrony to charge me what appears to be a minimum finance charge in the amount of {$2.00} on my XXXX statement. Again, no bill, no phone call, and no email informing me that I'm past due. Starting in XXXX, the account went 30 days past due, another fee was charged, still no communication or statements from Synchrony. On XX/XX/XXXX, my account was closed by Synchrony while this cycle of non-communication and no statement received letting of any balance owed went on through XX/XX/XXXX. For six months, not one person from Synchrony contacted me all the way through the account being charged off in XXXX. It's very depressing that the ability of being able to purchase a home was vehemently taken away from me over {$3.00}. As a consumer, is unfathomable that anyone would ignore such a miniscule dollar figure, even during the unprecedented events brought on by COVID19, knowing that a {$3.00} blemish would impact and haunt them for seven years. Even more so, it's incomprehensible how a company would do this to somebody.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over six months ago my " XXXX XXXX '' score as reported by XXXX XXXX dropped from XXXX to XXXX over the course of one month. I called them to express my concern and was told that they just share numbers they get from TransUnion. I contacted TransUnion multiple times through postal mail, phone calls and through attempts on their website. As best I can tell, when I took out a home equity line of credit TransUnion replaced my 30 year credit history with multiple credit cards, mortgages, etc. with a brand new credit report only having my new line of credit. Instead of a 30 year history or credit they were reporting that I had a 30 day history. As an example of the bizarreness of TransUnions actions, they are telling me on my XXXX XXXX online account, where I have three credit cards, that I don't have any credit cards. It doesn't make any sense. I have spoken to at least three TransUnion representatives who have said they will fix the problem over the course of six months and nothing has changed. All I ever get is a letter from TransUnion that says " Enclosed is the credit report that you requested. '' I'm not requesting a credit report, I'm requesting that they fix their error.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (IN)

My name is XXXX XXXX XXXX XXXX XXXX Bank PNC Account : Smart Access I have noticed that my account is constantly being overcharged. I have noticed that my account is being charged more than once. I also have been informed that they dont have an account that it is on file. This is 100 % incorrect. I do not know why they are saying this. Can you please contact me as soon as possible. I have contacted the police department about these issues. The Case number that I reported today is XXXX. I look forward to hearing back from you XXXX to resolve these banking issues.
Consumer complaint received 2022-07-29
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: DISCOVER BANK (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-13
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)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.
Consumer complaint received 2022-04-13
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. (VA)

In accordance with the Fair Credit Reporting act XXXX. Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number 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
Consumer complaint received 2022-04-13
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. (GA)

Credit inquires on my report that are not mine. I disputed these directly with the company and with the credit bureau and they still remain XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Bank XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (NY)

There are two accounts that I have been trying to get corrected for quite some time. XXXX  months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. Experian reports the Date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by XXXX. Experian reports XX/XX/XXXX and they report me late and also charged off! they can't do that! XXXX reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!
Consumer complaint received 2021-06-07
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. (LA)

Inaccurate information on my credit reports the charge off dates and last activity dates are different with all 3 reports did not do an investigation to verify TransUnion last activity XXXX XXXX XXXX. Last activity XX/XX/2017 Equifax. Last activity XX/XX/2017 XXXX
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

I would like to make a " goodwill request '' to have my late payment removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate my late payment with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need.
Consumer complaint received 2022-07-29
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. (UT)

In accordance with the fair credit reporting act, the following companies have violated my rights : XXXX XXXX XXXX XXXX Account # 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 2021-11-29
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. (MO)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2018-12-14
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. (GA)

I opened a Federal Student Loan to attend College after I completed my Education I became permanently XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my Student Loans completed discharged because of my permanent medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OH)

Opened Citibank checking account onXX/XX/2018, signed up for promo to get {$200.00} when you open checking account and deposit {$1500.00} in the account and maintain at least {$1500.00} for 60 days. Today is XX/XX/2018 and still have not received promised bonus.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NV)

TSI sent an invoice ( received XXXX XX/XX/2022, reference number XXXX ) in an attempt to collect {$17.00} l that is allegedly from XXXX. 

I do not do business with XXXX. XXXX customer service was not able to assist, and TSI does not answer their phones while their online portal throws an error and directs you to call their phone.

This is the second time Ive received a fraudulent charge from TSI. I am not responsible for this debt.
Consumer complaint received 2022-04-13
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. (NY)

I disputed these accounts on my credit report because they're inaccurate. I found out they were inaccurate when I ran my credit report for a refinance on a home and these accounts and inquiries appeared on my report. I sent out a letter through the mail on ( XX/XX/2022 ) and its been sixty days!! since I've received a response. I sent out another mail ( XX/XX/2022 ) certified and I still haven't received a response. The credit bureaus are in direct violation of the fair credit reporting act. I would like these unauthorized accounts and inquires removed from my credit report.
Consumer complaint received 2022-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (LA)

I filed a complaint on XX/XX/25 regarding a threatening voicemail I received from Navient. I attached the voicemail to the complaint. They have been calling now every night at XXXX. I will attach the voicemail again, which include threats of XXXX and XXXX. 
The complaint ID is # XXXX
Consumer complaint received 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (CA)

on XX/XX/2022, i sold my home, the closing agent wired the funds to payoff my mortgage of {$140000.00} according to the payoff that was given. the payoff was good through XX/XX/2022. On XX/XX/XXXX, after going on the portal. i notice, the loan was not paid off. I immediately called fay servicing, everyday for XXXX  days customer service stated the wire was sent back. I finally got a hold of a XXXX on XX/XX/XXXX, XXXX i explained to the XXXX the circumstances. i emailed the documentation of the final closing settlement statement as well as the wire information, stating the wire was never sent back to the closing agent. the XXXX never returned my call or emailed. i called again on XX/XX/XXXX, XX/XX/XXXX ... the customer rep stated the Fay servicing has now paid my past due property taxes, which were in turn paid at closing. on XX/XX/XXXX I spoke with another XXXX, which states he needs to find out what happened.but at the same time... the wire of {$140000.00} has now been sent back to the closing agent. I do not know what to door where to turn. please help me get this resolved... i have also filed a complaint with the XXXX ... .thanks