davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I XXXX XXXX has been working on my credit for the last 5 years and sent in dispute letters, talk to reps at Transunion and XXXX XXXX credit cards. The score from trans union has place me in a set back because of turned down because of wrong score input and providing me a up to date score. My score has the biggest gap in the TransUnion report and the rest of the Bureaus 40 points or for, there want me to pay to update my score instead of doing it as company promised a 7 day undated report. XXXX  XXXX is in violation of removal of old credit cards amount. There keep changing dates and violated my fair credit acts for proper reporting. I e been turned down on a car I shouldnt have been and other credit cards because of the none reporting from both capital one and trans union. There is an investigation number in place for Transunion ( XXXX ). Also several calls and letters to show just for my complaints. XXXX  XXXX is not honor XXXX XXXX XXXX fair credit acts to remove any old credit that is over XXXX to XXXX XXXX XXXX must be removed. XXXX  XXXX keeps changing date of contract and sending credit bureaus the wrong information. XXXX  XXXX is out of XXXX  and have been bulling my fair credit in order to try to make me pay old charges from over XXXX  years or more. There still have not proved to the credit bureaus the corrections for Im asking for all XXXX  XXXX old charges to removed and deli-quite dates of any inquires soft or hard was done on there site with the promise nothing would be hard inquire and those are still on all three credit reports. 
Account
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, tried to reach the Credit Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-11-02
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)

Hello, tried to reach the Credit Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2024-02-23
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AZ)

I had made a purchase from XXXX on XX/XX/XXXX. The purchase had gone through and had been settled by XXXX as I contacted the merchant on several occasions to attempt to clear up a deposit that was placed in my account by Unemployment Insurance Arizona in the amount of {$640.00} on XX/XX/XXXX. I have received nothing but the run around regarding the funds that are being blocked for me to receive by a transaction initiated by the bank called a clearing report debit adjustment. I have been trying to have my money released for over 60 days and the bank continues to tell me that XXXX has these funds ; however XXXX states that they have released any authorization holds from my account and that was all that they could do on their end. 

On XX/XX/XXXX, I had a three hour conversation with a supervisor by the name of XXXX. XXXX refused to approve my dispute although during the phone call, he admitted that there was an error. He seemed to be very confused and to not be able to handle the situation. Therefore, I asked for it to be escalated and was told that he was the highest level for customer contact. This is my purpose for filing a complaint. I have filed a dispute with the bank that was denied the next day. There was no investigation done whatsoever, it was simply denied the next day. I contacted the bank to find out why it was denied and I was told to contact XXXX. When I contact XXXX, I am told to contact the bank because there is nothing that XXXX could do when it comes to removing transactions that is blocking me from being able to receive my deposit of {$640.00}. 

I have experienced several hardships behind this money being held and I was also appalled when transactions were read off to me by the banks supervisor thst I was unable to see on my bank statement. The representative told me that XXXX had replaced funds back into my account on XX/XX/XXXX ; however, I don't see that deposit on my bank statement. My ending balance as of XX/XX/XXXX was {$110.00} and I had used the card for some small purchases in XXXX that didn't take the account into the negative. These transactions brought the account to a {$0.00} balance as of XX/XX/XXXX. On XX/XX/XXXX, a deposit in the amount of {$640.00} was placed into the account by unemployment insurance ( Arizona ). All of a sudden, there were three transactions totalling over {$700.00} that the bank created that is preventing me from accessing my funds and no one seems to know what is going on. 

I feel as if I have exhausted all options at this point. I will need an organization that regulates these types of issues to assist with having my money that is being held to be be released as soon as possible. At this point, I would like some type of interest or something as my money has been sitting in that account against my will for over 2 months now.
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

I am writing to address a critical issue regarding the handling of my auto loan account, which has caused significant distress and financial hardship. As the primary beneficiary on the auto loan serviced by Ally Financial, I am deeply troubled by the lack of communication and the detrimental impact it has had on my credit score and overall financial well-being. 

I have a joint account with XXXX XXXX XXXX in which the joint party was informed of fraudulent activity on his bank by a freezing of his debit card. His bank account is linked to the auto loan. Despite being listed as the primary account holder, Ally Financial failed to notify me directly about this concerning development of a missed payment for XXXX. Instead, I learned about the issue through third-party credit monitoring services. 

This oversight is particularly troubling as it demonstrates a severe lapse in Ally Financial 's communication procedures and a disregard for the importance of keeping primary account holders informed about critical account-related matters. As a result of Ally Financial 's failure to notify me directly, I was unable to take immediate action to address this missed payment in a timely fashion. I was informed by my third party credit monitoring that my score was highly affected. When I discovered the issue, we immediately paid Ally the missed month and the current month payments. We offered to provide documentation to validate frozen action by bank as well as a police report. I called Ally to explain the situation as well as address that I was not informed. I called Ally on XXXX and XXXX of XXXX ensuring extended wait times with no resolution except that I must wait 45 days to see what can be done. 

Furthermore, despite the full payment being received, my credit score suffered a significant decline of XXXX points, and the account was inaccurately marked as delinquent. This unwarranted damage to my credit score has had profound consequences, affecting my ability to secure favorable financing terms and jeopardizing my current efforts to purchase a home. 

I demand that Ally Financial takes immediate steps to rectify this situation, including but not limited to : 1. Correcting the inaccurate delinquency remark on my credit report. 
2. Reviewing and improving communication protocols to ensure that all primary account holders are promptly notified of any account-related issues or changes. 
3. Providing assurances that similar lapses in communication will not occur in the future. 

I expect a swift and satisfactory resolution to this matter, and I am prepared to take further action if necessary to protect my rights and interests. It would be helpful to understand how Ally Financial intends to address and rectify these serious issues. It is disturbing that a company can have this much impact to an individuals credit score.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC. (NC)

I recently submitted a payment of {$350.00} to Plus Finance on XX/XX/XXXX, making the available credit {$850.00}. I attempted to extend a car rental while traveling out of town, but unable to do so because Plus Finance place a security hold on my account. When I reached out to Plus Finance 's customer care department, an agent stated that a security hold was placed on my account and he needed to transfer my call to the security department. The security agent stated that my card use has been suspended because of multiple canceled payment in their system and in order to use it again, they would need a " Letter of Authorization '' from my bank showing the account as in good standing and active. The canceled payments that the agent was referring to were cancelations of " pending payments '' that were canceled and resubmitted, which should not have ever been an issue in the first place. Editing a payment should not have caused an account hold. Plus Finance withdrew {$350.00} from my account on XX/XX/XXXX, but insist that I submit proof that the account is active for a technical glitch on their end. This makes no sense. 

I contacted my bank and was informed that Plus Finance would have to submit a " Borrower 's Authorization Form '' to request such account data that I would have to sign before being submitted to Plus Finance. This is extremely inconvenient. The last time I submitted payment from the same account was on XX/XX/XXXX with no issue, but all of sudden there's an issue with the bank even though I used the SAME BANK ACCOUNT 3 months ago! 

The level of customer service is subpar. The 2nd agent I spoke in customer service that goes by the name XXXX was rude and argumentative. I asked to speak with a supervisor, but she stated that one was not available and suggested a callback. However, when I declined, XXXX became combative and uncooperative, and released the call. 

It is not my fault that their system flags canceled pending payments as a security threat. This is absolutely unethical and an example of unfair collection practice especially since this company recently withdrew money out my bank account they claim that proof is needed to show that it is active! Plus Finance does not have any written disclosure on their website nor has mailed any notice explaining that any pending payments that are canceled can result in a hold on the account. I don't know of any credit card company that will penalize their customers for canceling pending payments. This extremely frustrating.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO. (OH)

Chase Mortgage transferred my mortgage to XXXX XXXX. 
The home was purchased in XXXX for XXXX then in XXXX, I owed XXXX on the home but in XXXX I owed {$120000.00} on the principal AND another {$46000.00} on the home. Totaling {$170000.00} by the time the home was foreclosed I owed {$190000.00} on the home. How can I owe an additional {$80000.00} on a home that was foreclosed upon. I never took out any loans or extra mortgages or pulled money out of the account. Chase is not explaining how and why and how this debt was inflated a whopping {$80000.00}.
Consumer complaint received 2024-02-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (TN)

My parents were divorced and my mother was going through XXXX at the time that I started college. Since she had remarried, I qualified for 0 FAFSA help and had to get a loan on my own. I chose Sallie Mae because I did not know any better and did not have any help at the time. I graduated in XX/XX/XXXXXXXX  and my loan payments began in XX/XX/XXXX. I made 1 total payment for XXXX. Unfortunately, the loan was already gaining interest while I was in college with {$100.00} to my name. I never noticed because I thought why would it incur interest before Im even supposed to pay? XXXX started and I continued making my {$500.00} payments until roughly XXXX of XXXX when my mother and I noticed how much I was paying. I was paying the minimum payment of {$500.00} a month and my loan was going UP not down as expected. I was doing absolutely nothing. My mother is now XXXX free and was able to help take out a home loan to pay off the Sallie Mae loan. This is the extreme steps we had to take to have anything BUT a Sallie Mae loan. From XX/XX/XXXX- XX/XX/XXXX I made my {$500.00} a month payments to Sallie Mae. Now as I received my 1098-E I see that in those 4 short months in XXXX, I incurred {$7000.00} in interest. I would have to be paying {$1700.00} A MONTH to have that loan not even go down, but remain the same. That is criminal. The home loan that I am helping now pay incurred {$500.00} in interest from XXXX - XX/XX/XXXXXXXX  total. On top of that, I made too much money to claim the interest from the loan on my taxes. However I could never justify {$1700.00} a month to Sallie Mae on top of my other bills of rent, utilities, groceries etc. Yet I was expected to nonetheless. In total my loans were only {$35000.00} and yet, it was projected to take me 30 years to pay it off. Again, that is criminal. This is a predatory company looking to gain their money by cheating XXXX XXXX XXXX XXXX. Its sickening truly to think that I at XXXX XXXX XXXX was so proud that I didnt have to bother my XXXX  and XXXX mother because I got a loan all on my own. I did it, I didnt need to bother her. Wrong, I got cheated and scammed and I will continue to warn other XXXX XXXX to be smarter than I was and never touch a Sallie Mae loan. This company should not be allowed to exist and I will stand by that until the day I die.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

My home closing was XX/XX/2021. My new mortgage was immediately sold to LoanCare XX/XX/2021 although I was told my loan would not be sold. 

I already had my direct debit setup through XXXX XXXX and had to call it in to get it setup through LoanCare.

Tried for 2 days to get into the LoanCare site- it's down. Links on this allegedly secure site are not active, SMS text messages to phones to verify the account are hit or miss - regardless none of them will verify you as the account owner or let you complete sign up. Big problem on a secure site- indicates there's nothing secure or viable about this mortgage site, nothing is locked down. Information can be entered but not kept confidential.

Had over 60 minutes tech support with LoanCare, they say no one is having issue. Site checkers say otherwise with many, many people at risk of not being able to pay due to a faulty website. None of us can get into their site to setup payments. Worse - this company holds personal and banking information- they have a responsibility to maintain a secure, working site.

LoanCare Website : https : XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX Just one of the Loan Site Down Logs : https : XXXX Another site stating same : https : XXXX
Consumer complaint received 2024-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (IN)

In XXXX, I started paying my daughters student loan payment in a loan for XXXX XXXXXXXX to help out. After paying {$250.00} a month for one year, I noticed the amount owed had gone up! Not one dollar was paid down. I then scraped together money to pay off that loan and moved my other daughters loans XXXX XXXXXXXX to my home equity line. I received an interest statement from them and they charged from XX/XX/XXXX through XX/XX/XXXX a total of {$7100.00} in interest on {$45000.00} in loans. That was the interest amount paid in 90 days! How is anyone supposed to be able to pay that back? Their father hasnt been in the picture and I was helping my girls myself while making {$36000.00} a year and because the income of parents is taken into account, we werent eligible for aide. Even though it was just me paying for their education. Its disgusting and predatory. Even worse, my daughter made too much to even claim this interest on her taxes! Im appalled at the state of our country in every single way. The only ones suffering are the middle class in this country. Sallie Mae should pay that back to us! I have the statements to prove all of this and Im going to raise heck for other families.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have a {$100.00} debit card. I tried to use it before but transaction couldn't go through. I tried to call them to resolve this issue and they just told me, the card expires yesterday and all the {$100.00} inside the card is expired, they couldn't do anything about it, which is very unreasonable.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am distressed that EQUIFAX has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (FL)

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.

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 2016-05-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (VA)

XXXX we submitted the complete short sale package to US Bank for review. Sellers sellers had relocation benefit that would go to the deficiency to US Bank totaling XXXX the benefit expires XX/XX/XXXX so we asked for an expedited review and were denied. After several calls US Bank manager said she would request the file be expedited. When I called today I was told it was still with the processor and they were awaiting assignment to a negotiator. Please see the attached letter I have provided describing the entire episode.