davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: WELLS FARGO & COMPANY (NC)

Hello sir.
This is XXXX XXXX someone take my stattlement money chack.i dont know where it go who has it.i cant find anything please help me with me.i dont know someone got or someone cash.i have to find out which chack they sent and j didnt received it.or sbi chack.
Please chack under my name anything let me know or please help to get my sattlememt money or sbi chack.
XXXX XXXXXXXX.
Please reply me urgent get my money back.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2022-08-09
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. (DC)

I have checked my credit profiles for months and there were fraudulent accounts that were on my profile and one was removed, but re-inserted and I was not notified in a timely manner. However, the XXXX account was reinserted damaging my credit profile. Also, XXXX, whom has told me to contact the credit bureaus in regards to this to get these accounts disputed or removed.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The company ( capital one ) is punishing me with a late fee for making an early payment. When I made this payment, the website did not inform me that the payment would not apply to my statement for payment/late fee purposes. The company refused to remove the late fee or offer any ways to fix this.
Consumer complaint received 2021-06-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (NY)

I received a letter from XXXX  in response to my previous complaint about the private loan threw Sallie mae. I spoke to a reprensative from XXXX  and they told me to file a complaint threw your company which I am doing so. XXXX  told me I could sue Sallie Mae. Sallie Mae was the original company I paid my private loan threw. I had previously spoke to Sallie mae .about this private loan and Sallie mae said that every thing was transferred to Navient.. Well since I did pay this private loan in full of which was taken out while I was a student at XXXX XXXX ( XXXX XXXX ) . And yes Salle Mae was my student loan company the change to XXXX also while I was still in school. I feel I have a right to file a complain about Salle Mae. I feel Sallie Mae should pay me back since they were the original loan company who knew about the private student loan in the first place. 
Most persons who attend school are more than likely to be thinking about completing the education not just what their student loan will have to be paid back after you finish your education.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My loan with XXXX XXXX shows as a right off, bad debt, when the loan was paid by the GAP insurance on the vehicle after an accident that resulted in a total loss of the vehicle. It shows as a charge off, bad debt.
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (NC)

I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2021 Credit Bureau : Equifax Address : Not Listed
Consumer complaint received 2021-06-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

In XX/XX/XXXX I noticed I had an unexpected XXXX XXXX XXXX loan in my account in the amount of XXXX " as the school field. '' As of XX/XX/XXXX, that was still not fixed. I received verification from XXXXXXXX XXXX XXXX XXXX financial aid director and admissions, " XXXX did NOT borrow money from XXXX XXXXXXXX XXXX '' Those were loans XXXX through XXXX. I downloaded and, indeed and in fact, submitted the forbearance form for ADMINISTRATIVE FORBEARANCE, because my loans were not correct in my web account to view when logging in. I have image snapshots of my legal statement uploaded into the Navient system for false loans from XX/XX/XXXX at XXXX for validation. Now, I have spent since XX/XX/XXXX trying to call and tell Navient I uploaded the Forbearance form into the system, but they deny receiving a single document from me. I received an email last week saying " I am not responding '' and today I found out, UNEXPECTEDLY on XX/XX/XXXX, I am to pay on all my loans by XX/XX/XXXX. Nobody ever informed me by email of the terms of the loan changes. As of XX/XX/XXXX, they are still denying receiving my request for forbearance. On the forbearance form, I did inform them I was unemployed as a XXXX woman. I have image snapshots of the form being uploaded into the system in XX/XX/XXXX. I have image snapshots of everything I did to help manage my loans being unemployed. The emotional stress of the deceit and lies from Navient has become overbearing. I also have image snapshots from the XXXX Government site granting me XXXX until XX/XX/XXXX, however, Navient is not honoring my request. I also have emails from Navient stating, they did receive the Forbearance form in XX/XX/XXXX, but again, Navient is denying that I am responding.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

pursuant to 15 usc 1632 ( a ) Information clearly and conspicuously disclosed ; annual percentage rate and finance charge ; order of disclosures and use of different terminology Information required by this subchapter SHALL BE DISCLOSED CLEARLY AND CONSPICUOUSLY, in accordance with regulations of the Bureau. The terms annual percentage rate and finance charge shall be disclosed more conspicuously than other terms, data, or information provided in connection with a transaction, except information relating to the identify of the creditor. 
I have provided the united states code that governs my right to know what the finance charge is clearly and conspicuously, I am demanding you provide me with that amount here to use as proof.
Consumer complaint received 2021-06-28
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account XXXX  : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft DEPT OF ED Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

Equifax did not get accurate information regarding a dispute I had on a closed account with ally financial. The auto payment has been active since XXXX. No late payments and was NOT included in my bankruptcy. I have contacted ally financial and they are opening this now. My dispute was closed by Equifax and their information is incorrect. No payment has been included on my car loan. I started with a balance around {$9500.00} and down to around {$4500.00} I have 36 months left on my car. Its never been included in the bankruptcy. The bankruptcy was discharged over a year ago with that information as well. How this cant get updated correctly is beyond me!
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MD)

Chime bank issued me checks for XXXX and XXXX respectively for a previously closed account. I tried to deposit them through their mobile app to my current Chime account. They were rejected for no reason given. The mobile app is the only way to do a check deposit at Chime. After writing XXXX times, I spoke to supervisor XXXX on XXXX. He informed me not to redeposit saying some other department made that decision. In addition, he suggested I take the checks to another institution. So I asked..are you saying Chime will not honor checks issued and drawn on Chime when one tries to deposit to his Chime account..he said that is correct.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

PayPal closed my account for no reason and will not help me with getting it back up and going. It is impossible to get in contact with PayPal as they do not pickup their phones or answer emails. I was running my business without incidence when PayPal decided to shut down my account. I received a payment of {$16000.00} at one point, and I called PayPal because they would not let me withdraw. After the customer service agent accused me of selling drugs and engaging in illegal transactions ( I am a LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), he ultimately allowed me access to my funds, but continued with shutting down my account. Clearly, as I have stated on the phone, I only sell LEGAL merchandise and am legally licensed to sell in the state of Michigan. I've also filed a complaint with the XXXX XXXX XXXX quite some time ago and have not heard back from PayPal. The email address associated with my PayPal account is XXXX XXXX
Consumer complaint received 2021-06-28
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. (FL)

Upon checking my credit in XXXX XXXX discovered someone used my information to credit and get medical care. Ive sent letters request validation to XXXX Equifax & XXXX. All 3 Credit Bureau ignored my request. With is a Violation of the FCRA!! I also asked for an update credit report via us mail and nothing was ever sent to me, with is another violation of the fcra!! Will attach ftc report and 605b letter dated XX/XX/21!! THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX {$1700.00} / $ XXXX {$500.00} Ive never done business with this company or entered into a signed contract! XXXX XXXX also add this items to my XXXX  file after they had been deleted without giving proper 5 days notice. This account is fraudulent and needs to be blocked!! Per fcra 605b. 
2.XXXX XXXX XXXX {$350.00} Ive never done business with this company or entered into a signed contract with this company. 
All accounts are fraudulent accounts and needs to be blocked from my credit file. Per Fcra
Consumer complaint received 2022-08-07
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. (IN)

I filed and have a XXXX  police report for identity theft, and contacted indiana general attorney office because On my credit report appears my current address on XXXXXXXX Texas addressees I never lived, accounts I never requested, employment sites I never worked, any other names I never used, phone numbers I never had before, and im a identity theft victim some one is is using my identity on XXXX tx, and I never lived over there, im scary I hope yall can help me about that When I requested a credit report I seen all information dont belong to me and also on my credit report appears a high income I never had in all my life Thanks in advance
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB, Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2021-06-28
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)

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

As of XX/XX/XXXX, my Chapter XXXX Bankruptcy was to be deleted from my credit file ; it has been 7 years. XXXX and XXXX deleted it automatically, I am still fighting with Equifax to have it removed. 
XX/XX/XXXX - Submitted dispute to have a ChXXXX bankruptcy removed because it was discharged. RESULTS : they put the words discharged on the file. After looking closely, the I noticed that the bankruptcy was listed as a ChXXXX ( converted to a XXXX, but the court changed it back to a XXXX ). 
XX/XX/XXXX - Disputed to have the correct filing listed by sending over the court documents and requesting it to be removed. RESULTS : That XXXX has reported to them the correct information ; it remained a ChXXXX. 
XX/XX/XXXX - I called XXXX, they verified that it was obtained thru the court and that it was indeed a ChXXXX I received the report in the mail a week later as confirmation. They stated that i had until XX/XX/XXXX for Equifax to respond. RESULTS : nothing has changed. 
XXXX I called Equifax XXXX why they haven't updated my information and deleted the bankruptcy. Was told that yes, indeed, it was a ChXXXX and the update should happen within 2-5 business days. I chose to have it emailed to me. Nothing. 
XX/XX/XXXX - Called Equifax to find out why it hasn't ben update/removed. Rep told me that I was misinformed and that they don't add or delete without direct confirmation from the source ( court ). He gave me the # to the court, I called, the lady explained that they NEVER send out anything to the bureaus, ever. I called XXXX. the rep stated that it shows on their report that the info was obtained by the County Court in my state. She then stated that since I already had the report, there was nothing further that they could do. RESULTS : I am back to where I began in XX/XX/XXXX. I had to file another dispute, this being the 5th one. 
I really don't know what to do. It is bringing my score down. Help.
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (AR)

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A .States I have the right to privacy.

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

15 U.S.C 166b A creditor may not treat a payment on a account under an open or closed consumer credit plan as late for any reason.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (AZ)

I was approved for Borrower Defense tonrepaymemt in XX/XX/XXXX, I am due a refund of over {$80000.00} & was due that refund by XX/XX/XXXX. EdFinancial has not issued the refund and does not provide information on status.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2021-06-28
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: Lending Club Corp (FL)

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft LENDING CLUB Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.