davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

In XXXX, I became unemployed and had difficulty finding full time job for the next four years. Thus, I was constrained to obtain 4 private loans with XXXX XXXX, now Navient, during the time my eldest son was attending XXXX XXXX XXXXXXXX XXXX in the following amount : 1 ) {$20000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 2 ) {$10000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 3 ) {$30000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 4 ) {$30000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX. 

Please note when these loans were obtained, the XXXX XXXX representative did not disclose that these loans would be considered private loans and not backed by the federal government. I believed then that these loans were parent loans since having a student in college was an eligibility pre-requisite. 

The first three loans were already paid off as follows : 1 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$42000.00} 2 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$32000.00}. 
3 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$63000.00} These first three loans were paid off with the help of my eldest son as he was able to obtain a fixed rate of 6 % interest rate being in the military. 

The fourth loan, XXXX, Navient said I still owe over {$53000.00}. However, upon analyzing the payment history during the life of the loan, it showed that a total of {$39000.00} has been paid as of XX/XX/XXXX when I had to stop the automatic payment because I have been experiencing financial difficulties due to many health issues for an aging XXXX old, on fixed income, and widowed. 

I have asked Navient for a reconsideration on the loan converting it to a fixed interest rate, but I was declined. They recommended that I apply with another financial institution who can offer a fixed rate. I tried that as well with XXXX, the company Navient recommended. I was also declined. 

In my last phone call with Navient representative in late XX/XX/XXXX, I tried to ask again for any affordable options to make payments, such lowering the interest rate. I was told they could not do anything about it. Hence, I asked for a department head I could write to file a complaint and seek total relief from the loan as I believed loan ending in XXXX has been paid for, principal and interests. 

Most recently, I read an article that Navient made a settlement to forgive student loans in the amount of {$1.00} billion, and another {$1.00} billion in private student loans, primarily those with subprime loans. 

In the same article, I read that the Consumer Financial Protection Bureau is also assisting borrowers who have experienced harmful and deceitful lending practices. I understand there is a pending lawsuit against Navient. Hence, I am seeking your help.
Consumer complaint received 2021-06-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 I sent my first letter that talked about incorrect/fraudulent items that showed on my credit reports to ( XXXX, XXXX, and Equifax ). 

Next on subsequent dates I sent letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent other letters asking them to look into this issue, but I have not received a response yet. 

This is a blatant violation of the FCRA, and I will be filing a law suit at my small claims court against Equifax, XXXX and XXXX for not helping me resolve this issue. I have sent letters via certified mail and I have copies of all documents that were sent off You can settle this outside of court by paying my settlement of {$5000.00}, or face other charges.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I rented a vehicle thru XXXX on XX/XX/XXXX ( charged from account on XX/XX/XXXX ) for a trip out of town on XX/XX/XXXX. We rented a vehicle because our car wasnt big enough for our entire family to avoid 2 vehicles. 

We showed up at the airport to rent the car and they told us at XXXX XXXX  that we needed a credit card ( I didnt have one with me ) but didnt think I would need it as I already paid in full. They kept quoting this was airport policy and I either needed a plane ticket or a credit card. I had neither. They told me that my funds would be returned and REFUSED to give me a car. 

I had to drive around and find another place to rent from. After 3 hours we rented a car from XXXX and paid significantly more than the {$200.00} I was supposed to pay thru XXXX. 


I waited several weeks to see my credit apply and it never did so I placed a claim thru my bank in mid XXXX. This weekend the temp credit they gave me reversed AND Chase Bank charged me {$34.00} fees for other unrelated {$10.00} charges. Now my account is overdrawn nearly {$300.00}! For a car rental I never received and had to pay almost double for. 

I called Chase and they said that XXXX said I needed to cancel 15 days in advance and thats what their response was. I expect my bank to do more investigating its not even a common sense reversal reason. I didnt even book my trip with XXXX until XX/XX/XXXX and Chase could see my charge didnt come out of my account til XX/XX/XXXX. How could I cancel 15 days in advance when I didnt even rent the car until 7 days in advance? Also, I DID NOT CANCEL the merchant did! Chase can even see on the same card I had to rent another car for more on XX/XX/XXXX from XXXX. This is sloppy investigating and even sloppier charging practices. They reversed this on the weekend and let some stupid little {$10.00} charges over draw my account even more and had the NERVE to charge me fees when they did a shoddy job investigating. 


I am providing proof that I didnt rent from XXXX until well within their 15 day cancelation, proof I had to rent a car a different place for more ( XXXX ) on XX/XX/XXXX and proof that Chase saw these dates based on the charges so they absolutely shouldnt have accepted this nonsense response from XXXX before debiting my account and then charging me fees. I also supplied a picture of my XXXX reservation ( The place we were staying showing my trip was for XXXX ). Clearly it wasnt me that canceled. I am not paying for a car I didnt get and an experience that ruined my trip and caused us to be hours late to start our vacation!
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked the credit bureaus to do a verification of everything on my credit report and they did and stated everything was accurate and VERIFIED. I did research myself and found improper Inaccuracies to my credit report even after they did a research on my credit report. 

Name of Account - XXXX # XXXX Name of Account - XXXX XXXX XXXX # XXXX Name of Account - XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has Violated My Rights. 

In accordance with the Fair Credit Reporting Act XXXX  account # # XXXX has Violated My Rights In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has Violated My Rights. 

15 U.S.C 1681 Section 602 A : States I have a 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 2023-01-02
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Guglielmo and Associates (NM)

I submitted a validation of debt letter to Guglielmo & Associates, XXXX on XX/XX/2020 representing XXXX XXXX. Guglielmo & Associates, XXXX never responded to debt validation letter, nor submitted any information regarding the debt they were attempting to collect within the 30-day timeframe and continued to threaten and pursued legal proceedings. Legal proceedings were filed XX/XX/2020 by Guglielmo & Associates, XXXX representing XXXX XXXX.
Consumer complaint received 2021-06-29
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. (NY)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX  and TransUnion are not displaying my mortgage payment history correctly since XX/XX/XXXX through XX/XX/XXXX. I had a forbearance with XXXXXXXX XXXX during that time due to the pandemic, XXXX has received a a lump sum and consistent payments since XXXX XXXX XXXXXXXX XXXX states that they are reporting as current, the two agencies says yes l am current however no data show for the months listed above and l am unable to get a fair and accurate rating for my report. I want my credit report to be given that same energy as if l was late.
Consumer complaint received 2021-06-29
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. (MD)

On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on COVID-19 contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.
Consumer complaint received 2023-01-26
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. (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. Account name : XXXX. Account Number : # 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 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 2022-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

United Revenue Corporation has violated my rights according to 15 U.S.C 1692g- Validation of debts section ( a ) Notice of debt Contents, also 15 U.S.C 1692g- Validation of debt section ( B ) Disputed debts. I am disputing the following accounts XXXX, XXXX, XXXX. I sent my dispute letter Via XXXX certified mail tracking number XXXX it was delivered XX/XX/2022. I did not receive any return mail within 5 business days after XXXX received my dispute to acknowledge that their company has received my dispute and or working to investigate it. Nor did I receive any documentation as to verify the debt.
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX more than 45 days ago I sent a letter to the credit reporting agencies regarding some false misleading information that should be excluded from my report. As of today I have not received any response regarding my concerns and I feel as I'm being ignored. I as a natural person ( consumer ) who is protected under federal law demand these accounts be removed from my consumer report immediately. If no action is done I will seek legal action for the Violation of my right. I have attached verification of my identity so please don't say you are not able to verify me. Also I am not being represented my any 3rd parties so lets not play these games to delay the process. The law states clearly you must allow 30days to respond not 45 nor 60.
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 XXXX have gotten into the hands of the wrong person.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA (NY)

Please see the attached explanation. I sent this letter to all three credit agencies and Goldman Sachs to plead for an act of goodwill.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On Friday XX/XX/2022 I received an alert that my Citibank account had fraudulent charges. I immediately called Citibank and found out that there were XXXX transactions that were blocked, as well as a {$50000.00} wire transfer that I never authorized. I asked Citibank how to handle this fraud case, I followed their instructions and placed a block on my account to prevent any further transactions. I called many times that night to make sure my account was safe. I tried following up with them over the weekend but the fraud department was closed. I called the wire fraud department first thing on Monday XX/XX/2022. I was told that early that morning ( XX/XX/XXXX ) my account block was lifted and another wire transfer of {$50000.00} was taken from my account. Again, I went through the whole process of blocking my account. I also asked Citibank why a wire transfer was sent out again after I clearly reported wire fraud for the same amount one business-day earlier, to which they had no answer. They advised me to place a block on my account again. But they could not guarantee that the nefarious actor wouldnt be able to call in again, lift the block, and wire transfer again. There was no security option in place to protect my account at this point AT ALL. I decided to go to Citibank, request a cashiers check for my full remaining balance and I opened an account with a safer bank. 
After reporting both wire fraud instances to Citibank, I also filled out an affidavit of unauthorized wire transfer that Citibank requested for both fraud instances and emailed them to XXXX After that I spent the next week calling asking for status, I was told that at most the investigation could take 90 days. 
Once 90 days passed without receiving any information from Citibank I start calling into Citibanks Wire Fraud Escalation Department as well as the IRU department often ( every week/two weeks ) and get the same response that my case is pending approval and I should receive a letter in 7-10 days.

It has now been 5 months, or about 150 days since my initial fraud instances I have heard nothing about the status of my case. Citibank keeps telling me I will receive a decision in 7-10 days but I never receive or hear anything from them.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

I have an account with Capital One and previously since XXXX the account appeared as if it was closed. This month I received a letter from them stating that I owe XXXX dollars and since the account is closed I was never able to pay them and I called the number and tried to contact them by email but I never received a response. I would like to do something so that it does not affect my credit and I can settle the debt.
Consumer complaint received 2022-04-11
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. (CA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CT)

I opened a new online saving account with Discover Bank. They froze my account based on unusual activity the. Required I call their security number which I have now tried every day and waited multiple hours each time to NEVER get through. I still have no access to my funds or any resolution.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ok so bank of America won't credit the money that someone had blatently used on my XXXX card I have tried to XXXX it twice this isant like 20 bucks it's almost XXXX rollers I have a police report as well that I sent them so I feel like they just pick and choose who they want to help.
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

On XX/XX/XXXX I purchased of {$5700.00} of shibainu coin from coinbase pro. It turned out the price was wrong on exchange. And I found Out today it came down to {$500.00}. I am so confused and surprised because coinbase is public company and they don't seem like try to solve issues.