davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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: Yamaha Motor Finance Corporation USA (NY)

I received a letter in the mail on XX/XX/2022 from Yamaha Financial Services stating their have been changes made with the credit card consumer agreement between myself and XXXX. 
I do not have a Yamaha credit card nor have I made a purchase with Yamaha. 
I called the number on the letter ( XXXX ) and they were asking me my social security number and phone numbers. 
I did not provide the additional information requested, but they do have my name and full address.

They said they would 'handle it '.

My concern is someone may be using a credit card using my name which I never requested.
Consumer complaint received 2015-09-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

currently refinace this accout with Conn 's .. I have been nonstop calls for collection. I have called back and spoke to a manager and was advised that the calls would stops. But I am still getting calls and this is outrages. I would like for the calls to stop since my bill is not even due until XXXX XXXX. Not only due i get calls I also get hang ups. Transfer to other CSR agents when advised I would like to talk to a manager then told I can be transfer to a manager. This is harrashment. I am looking into more legal actions.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : 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 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 - XXXXHowever , they stated everything was complete and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting ActXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (PA)

I purchased card for XXXX loaded XXXX and another card for XXXX and loaded XXXX upon going to register it saw monthly fee of XXXX so I didn't continue to register or activate the card and tried calling the number on the website. serve American Express XXXX. There are other prepaid cards that have no monthly fees only fee is a reload fee. I'm on a fixed income and can't afford a monthly fee.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc. (IN)

We owe {$960.00} on a XXXX XXXX charge card ... it is now placed with the agency of Valentine Kebartis office and I have set up payment arrangements by ck on the XXXX of every mon ... They called me 16 x between XX/XX/XXXX and XX/XX/XXXX. I explained that I have payment arrangements made but they say because I send a check and not do a scheduled payment arrangement when they control the payment I must get this calls because their computer doesn't recognize a payment mailed in??? It is abolutely ridiculous how rude the lady was that I spoke with. 
Their number is XXXX I have blocked them from calling me Thank you!
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MS)

Good Morning I received a letter from my Employer that I have a pending garnishment for {$860.00} for LVNV Funding LLC XX/XX/2020. I have not been contacted and tried to contact XXXX XXXX XXXX XXXX group. I cant get any answers no return call. I asked for a print out of what is owed and to whom. This is unfair practice
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

We have an escrow account with Freedom Mortgage that has a balance of {$6000.00} as off XX/XX/XXXX. We received a noticed from Freedom Mortgage our homeowner insurance will expired soon and ask to provide proof of insurance in XX/XX/XXXX. We immediately contacted our insurance agent ( whom has been our agent for the past 10 years ) for our homeowner insurance declaration page and send the document to Freedom Mortgage. Our insurance agent also informed us our policy has expired XXXX XX/XX/XXXX at XXXX, I called to Freedom Mortgage to confirm they received the insurance declaration page. They confirmed the receipt of the declaration page but have not for some reason our escrow account is NOT set to pay for our homeowners insurance. The representative told me that they can overnight a check to insurance once they can get this resolve on their end. I asked to file a formal complaint and get this escalated to management and receive a call back about this matter because our property taxes is coming due in XXXX. I did not receive any response from Freedom Mortgage, therefore, I called again on XX/XX/XXXX. Talked to a representative name XXXX and XXXX to resolve this issue, file a complaint and receive a call back. No call back. Talked to our insurance agent XX/XX/XXXX since we have no homeowner insurance coverage as our policy expired XX/XX/XXXX and we have not heard back from Freedom Mortgage. We decided to pay our homeowner insurance policy with our credit card because there was no responds from Freedom Mortgage on when they will pay our insurance premium. If Freedom Mortgage does end up paying, our insurance company can reimburse us. 

I called Freedom Mortgage again on XX/XX/XXXX at XXXX and I talked to a XXXX. XXXX did not provide any useful information and can not confirm if they will send a check to our insurance and can not confirm our property taxes will be paid in XXXX. Again, XXXX said she will escalate this matter to her supervisor. After spending hours on the phone for the past week, we still have not receive any response from Freedom Mortgage about this matter. We do not know if our property taxes nor our insurance premium will be pay but Freedom Mortgage has over $ XXXX in our escrow account and continue to collect funds towards our escrow acct from our month payment. This is not acceptable business practice and is unfair to consumers.
Consumer complaint received 2019-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (LA)

I was diagnosed with XXXX on XX/XX/2017. 

I signed up for auto payments through Nelnet thinking that would take one thing off of my plate to think about during my XXXX treatments. 

Now that I have completed my active treatment, I am looking at my statements and even though I have been paying roughly {$330.00} each month, my loans have not changed at all. 

What it looks like happened is that Nelnet chose where to allot my payments so that my highest interest rate was receiving smaller payments than my lower interest rate loan. And it changed monthly which makes it so that I will stay in debt forever paying off the interest. 

When I call to speak with Nelnet customer service, they essentially say that this is the way it is set up. Then, the representative describes the % .25 discount that I am getting with XXXX. The company more than makes that up with the strategic placement of my monthly payments. 
And on top of all this, they are still making {$4.00} on me daily. And that number grows based off what my interest balance is. They are constantly making money off of people who think they are trying to pay back their loans. 

This is so disturbing that a company takes advantage of people in this way. I have gone through XXXX fighting XXXX and paying off doctor bills because of that. And now I have paid {$8000.00} towards my loans over the past 2 years and my loans have not been affected. 

That's literally the cost of life or death. The cost of XXXX XXXX. How is this legal?
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Allied Collection Services, Inc. (Nevada) (NV)

Per Nev. Rev. Stat. Ann 449.01511, Collection agencies are permitted from commencing civil action for debts less than XXXX and collecting fees of more than 5 %. Allied collection has been relentless in attempting to garnish my accounts and my pay. I attempted to settle this debt and offered XXXX dollars and they refused. I contacted the agency in XX/XX/2021 to tell them to stop collection attempts.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

I have contacted XXXX XXXX XXXX on several occasions via certified letters ranging from XX/XX/XXXX to XX/XX/XXXX, to resolve this matter. Currently on my credit report, there are two missed payments showing for XX/XX/XXXX and XX/XX/XXXX. I applied for a forbearance on my loans as I was recently laid off from my job at the time and was experiencing a financial hardship. It was my expectation that the forbearance would only take a few days to process and therefore be applied to my account timely. I was never informed the processing time could take longer than 30 days and never directed on when to reapply, check the status and/or make payments to my loans. It is my wish that the missed payments are updated to be within good standing and reflect the forbearance during those months.
Consumer complaint received 2019-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

This is in reference to public service foregiveness. The agency is XXXX XXXX XXXX. They sent me my number of qualifying payments In XX/XX/XXXX and it was less than the previous year. I requested a recalculation and they said it would take 6 months. They bland the problem on a new computer system. Having only worked for one city during my repayment, I could not understand why it would take so long. 

I requested the name of the software and a copy of my statement of qualifying payments from the previous year. They did not respond. I called back in XXXX XXXX XXXX and asked for an update. They told me it would now take a year. I asked them why it would take so long and they told me the US Treasury had to recalculate and thats why it was taking so long. According to my records, I should have 120 qualifying payments in XX/XX/XXXX. However, I can figure out where I stand.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

I have proof of XXXX total in bill pay from XXXX  XXXX XXXX XXXX.No communication from XXXX XXXX XXXX  since I set up bill pay 10 months ago. I rec 'd a letter from a collection agency disputing my total payments and asks me to pay {$1300.00}. Where did this amount come from? Also, where did my XXXX bill pay go? 
Thank you for your help. 

Collection Agency is : XXXX XXXX XXXX , XXXX ( XXXX ) XXXX This agency is rude and is using intimidation..
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX we sent a letter to Citi Banks customer service office and their executive office in requesting a good will adjustment of a late payment reporting from XX/XX/XXXX. The basis of our request was that we have a XXXX year old son who suffers from XXXX XXXX which inhibits his ability to XXXX and XXXX. We recently have sold our two story home to transition to a single story home for his safety - we are in the process of trying to obtain a mortgage. In the letters sent to Citi we clearly made them aware that our son is XXXX and we were suffering a hardship with trying to obtain the mortgage - ergo the request for the goodwill adjustment. Included with the letters were two photos of our son as proof of our claim and reason for request. On XX/XX/XXXX we received a call from XXXX XXXX with Citi 's executive office. I again explained my circumstances to XXXX and she told us there was nothing she could do. During the call XXXX and I argued the validity of the late reporting and the accuracy of what Citi was reporting to the credit bureaus, The call ended on bad terms. After this conversation we ( my wife and I ) made the decision to sell our pickup truck to pay down this account to reflect better on our credit reports. On XX/XX/XXXX we took the proceeds of that sale and made a {$4500.00} payment on this account brining our total usage down to {$3400.00} of the available credit limit of {$8000.00}. Today I received an email with a notification that our credit limit was being reduced from {$8000.00} to {$3200.00} - less that what is actually on the account! In reading the letter it cited that the reason for the decrease was due to factors on my credit report. Admittedly my credit was in poor condition which was the reason for the initial call, but since this account has been open my credit report and score has been less than what it is now. It was suspicious that this decrease came on the heels of making my request to Citi and my disputes against them with the credit bureaus, and notifying them that I have a XXXX son and am in a hardship. The fact that my credit has been much poorer during the time that this account has been opened and the limit has not been decreased leads me to reasonably believe that this action is being taken against me to be punitive and discriminatory towards me given the information they had and the timeframe of the events. I again reached out to XXXX XXXX today and advised her of my issue and complaint. Again XXXX was not helpful and said if I felt I was being discriminated against I could advise them in writing. Please consider this complaint notice that I feel as though I am being discriminated against based on my situation and having a XXXX child. The timing of the events with this account are too well matched to the unpleasant phone calls and information being provided to Citi to be coincidence.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kentucky Higher Education Assistance Authority (MO)

I continue to receive letters from The Kentucky Higher Education Student Loan Corporation advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Collection {$5100.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection {$140.00} XXXX XXXX XXXX Charge-off {$170.00} XXXX XXXX Charge-off {$960.00} XXXX XXXX Charge-off {$820.00} XXXX XXXX  XXXX XXXX Charge-off {$310.00} Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-08
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these inquiries ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law .It is not permissible to fail to validate these reporting inquiries as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-03-26
Product: Credit card — Store credit 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 (GA)

Initially back on XX/XX/XXXX I went for a consultation for a service so instead of pre approval they charged the entire service to the card. I contacted care credit and advised the service hadnt been rendered and at the time I wasnt sure XXXX continue with the doctor due to time conflicts. Well that portion got worked out but I inquired can I be billed as I go. They never adjusted. I got service XXXX of XXXX. We on a path to get the services all completed but care credit never adjusted the charges. I put in another dispute because the doctor had no back up and will be out the office and I found another dr that will be treating me. So all my services are not complete and they still havent adjust the bill.
Consumer complaint received 2020-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020, Capital One Credit Card charged me for the amount of {$65.00}. I do not recognize nor owe this transaction. On or about XX/XX/2020, I wrote a dispute letter to Capital One Credit Card to dispute this transaction.On or about XX/XX/2020, I called Capital One Credit Card to dispute this transaction. Also on the Online Posted Transactions page, Capital One Credit Card does not allow me to dispute. Until now, Capital One Credit Card refused to resolve this problem.