davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority (NC)

Kentucky Higher Education Student Loan Corporation. 

Signed the loan expecting deferred payment. Turns out that it was not deferred, and company lied to my mother ( she cosigned ) and I multiple times about payments.We called multiple times and were told that our payments were deferred until after my graduation in XXXX. We were told it was deferred Then, we suddenly get contacted and told we owe payments by XX/XX/XXXX. After numerous attempts to contact the company, we were put on hold for days with an advisor named XXXX. She steamrolled us, not allowing any questions, and then changed the loan into a deferred payment, upping the interest rate to 6 %. This means the {$400.00} payment is now {$590.00}. I did not sign for the {$590.00} payment, or a non deferred loan. What company provides immediate payment student loans? How am I supposed to repay {$590.00} payments a month as a XXXX XXXX XXXX? This is a morally unjust practice, and XXXX implied that this happened to multiple other students. 

XXXX said it is due to their system not processing loans as deferred. Why am I being forced to hike my interest because their system failed? That is a breach of our student loan borrowing agreement and needs to be rectified. I am not even able to access loan documents, being even more shady. 

Why are we, as full time students, getting screwed over by incompetent lenders? My paperwork specifically mentioned the deferment until after graduation. This means they breached a federally binding contract, and should be investigated. Their website is also very shallow and does not offer assistance at all, even seeming predatory. 

I am making this complaint on behalf of myself and every other loan borrower from XXXX, and I urge the CFPB to look into this predatory company. Incompetence seems to XXXX  from every XXXX  of this organization, and it is not fair that hard working student loan borrowers like myself get punished for their XXXX.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (PA)

A fraudulent credit card account was opened in my name on XX/XX/2022 with Navy Federal Credit Union, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( XXXX, XXXX, and XXXX ) in XX/XX/2022. I also called to report it to Navy Federal Credit Union on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to Navy Federal and confirmed the account, and Navy Federal would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to Navy Federal Credit Union on XX/XX/XXXX ( 65 days ago ), I have called Navy Federal at least 5 times to request an update, and at least three of those times, I have waited on hold for over 2 hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since Navy Federal has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.
Consumer complaint received 2022-11-05
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. (OH)

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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

So my husband gets a text claiming to be XXXX security and that {$850.00} would be charged. SO I called the # attached to the text and the guy on the other end gave me a badge # and his name saying my account was compromised and we had to do dummy transactions to block the scammer. So he had me download an app called " any desk '' so he could see my accounts remotely. He was a good talker. So the first XXXX transactions failed through XXXX, so I figured ok maybe he was helping me. So there were XXXX different zelle recipients and then XXXX different amounts transferred those didn't fail. I then became extremely upset at the guy. XXXX amount came from my personal account {$1900.00} transferred to my cash app account which then was transferred to some woman 's name, the other transactions came from my business account. Totaling $ XXXXBank Of America will not reimburse me. I have filed XXXX claims with them, police report, XXXX XXXX complaint. The resolution I'd like to happen would be to get my $ back. We have a small business and that was alot to have taken, especially these days. I am planning to call the news channels also. I've been w Bank of America for XXXX.there 's no reason to withhold someones money. 
Thank you
Consumer complaint received 2022-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have several inaccurate late payments listed on my credit report with is a violation of my rights and hindering me from obtaining reasonable credit purchases. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-07
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: NAVY FEDERAL CREDIT UNION (GA)

XXXX has removed and placed back two fraudulent accounts from Navy Federal : fraudulent account number 1 is worth {$27000.00} and account number 2 is for a little over {$5000.00}. XXXX had received an FTC report back in 2019 on Navy Federal. Also, Navy Federal has been contacted by phone at XXXX. A certified letter is on its way next to Navy Federal at the address XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (MO)

On XX/XX/22 I went to the atm at XXXX bank on XXXX XXXX XXXX XXXX. I made a transaction to withdraw XXXX XXXX dollars from a Wisely prepaid debit card account. The ATM machine asked if I wanted a receipt, I declined and it began to make the " noise '' of the transaction and showed on the screen " the robots are working hard to get your money '' then a clunking sound and the screen showed " printing your receipt ''. The receipt showed " incomplete transaction '' and no money was given to me. I assumed the machine did not have enough money or something and drove away. Later I noticed the money had been debited from my Wisely account. I contacted the bank and they said even though they knew the machine had gone down at precisely the time of my transaction,XXXX XXXX, and acknowledged that they had over an amount of XXXX XXXX dollars, I would need to dispute with Wisely and once they had connected with them they would be able to correct the error with me. I contacted Wisely to place a dispute on XX/XX/22, they then mailed me a dispute form to fill out, which I have completed, then emailed as well as mailed it in. 
Nothing has been done despite my multiple calls to Wisely and XXXX. XXXX told me that by law they only had ten days in which to return the money to my account. I called Wisely on XX/XX/22 and they said they would escalate the process for me and to call back in one to two business days. I called back and the person I spoke with this time said there was no such thing as escalating the process and said they had until XX/XX/XXXX and nothing had been done at this time. XXXX promised they would try their best to do something about getting my money returned as soon as possible because I am their customer. They said they would call me back to let me know, however, I have heard nothing. Ultimately though no fault of my own, because their machine broke, I am out XXXX XXXX dollars! How is this right in any way?
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

The issue is that I have a card that is 23 years old and has a good ratio of available credit. I have a second credit card with the same company, XXXX XXXX. The newer card appears on my credit report but the one that is 23 years old does not. The 23 year card is, in fact, the oldest credit card I own that is still active. 

I tried to fix this issue with experian boost in XX/XX/2022. I then called my credit card company today to verify reporting. They verified that all of my accounts are reported to all 3 credit bureaus. I can see this account on the other 2 credit bureau reports but not Experian. 

I called Experian and was referred to a dispute specialist. I was told they could only see one account on my report. Something I already knew. The rep seemed unwilling to investigate or provide any other help. I had to request an escalation. At which point I was told a supervisor would call me in 48 to 72 hours. I have little hope I will actually get to talk to a supervisor because I have unknown callers on my phone silenced to avoid scammers and telemarketers. I am attaching the XXXX page that shows the card that is missing from Experian to prove what my credit card company is saying. Also attached are snapshots that show the card that is being reported on Experian.
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

Yesterday, XX/XX/2022 I was at the grocery store after a doctors appointment when I received a call and the person claimed to be a XXXXXXXX XXXX representative. 

He stated that my utility bill was overdue and that my utilities would be canceled in XXXX minutes if I dont pay electronically today. 
I was out of town for a period of time and I thought my utility bill was paid automatically but I know sometimes that can get screwed upso, in my mind the bill couldve been due The person instructed that the only way to pay was to use the cash feature on my XXXX XXXX XXXX checking account app. called Zelle. I never used this cash service before. The person assured me and said, he could walk me through getting a confirmation to allow to use this Zelle cash service. 

He instructed me to pay the outstanding balance of {$260.00} from Zelle and take a screenshot of the transaction and send it to phone number he provided I texted the payment complete along with the screenshot to the scammer. 
After a couple of minutes he said he didnt receive this text and to resend it. 
I had received a text back from that number saying they did not receive the payment from Zelle. So, I went into my checking account again duplicated the payment and resent it. 

I was in the grocery store for almost 40 minutes trying to figure this thing out.

I called the phone number that the scammer called on and I got my utility company customer service! 

I asked the customer service person what was my balance on my utility account and she said it was current. 

I tried a third time to get into my XXXX checking account by this time they locked me out of my account. 

I called XXXX customer service fraud using Zell filed a report and they stated they can not refund my account.

What a rip off and something has to be done to protect consumers.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

Since XX/XX/2022 I been trying to make correction in my credit report, the furnisher verified the disputed information as accurate and the credit reporting agency completed 3 investigations and has failed to make delete make corrections despite the fact that the information disputed can not be verified by the furnisher. Credit Agency deleted as they fit in order to complete investigations. Furthermore according to California Consumer 's Law, I am still waiting for credit agency to provide precisely the way the investigation was completed. As of this date, continues to report trade line incomplete and with errors. 
The furnisher, refuses to comply and has failed to comply with my request to produce documents requested for the disputed information. 
Attachment below shows a last attempt to fix the issue spent over an hour getting nowhere due to the unqualified employees, limit access or unable to escalate calls since they are all working from home or in XXXX. Lastly, the representative made me, in order to be able to assist me to provide the full social security number, despite the fact that I provided a full account #. 
Furnisher advised, " we do not have the records '', Transition verified that Xs were placed in the trade line because the furnisher did not know the information.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2023-02-06
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: Grow Credit 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. 

Account name : GROW CREDIT INC Account number : XXXX 15 U.S.C 1681 section 602 A Subsection 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's 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 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, XXXX, XXXX : 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 1666B : A creditor may not treat a payment on an extension of credit account under an open-end consumer credit plan as late for any purpose.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (FL)

I got a new car loan with BMW Financial Services in XXXX of XXXX. This car loan was never reported from XX/XX/XXXX until XX/XX/XXXX. They reported this to my credit bureaus over 10 years after the fact and it was false information. I called the company today and was lied to about the communication efforts and notifications that were never recieved by me and was unable to get transferred to someone who could help me. Just kept continuously getting lied to. 
This car was voluntary surrendered in XXXX over 5 years ago due to a hazard to drive, The car was never in good standing mechanically from the day I purchased it. The car was a HYBRID and was unsafe from the time I bought it. BMW was made aware of the faulty system numerous times and it went back to the XXXX XXXX  numerous times. I was then told by my XXXX agent they would buy it out or replace it. On the way home from BMW I was involved in a MAJOR car accident in the BMW which took 8 months to get fixed when they should have totalled it out. When i got the car back from BMW service center it was still unsafe to drive if not worse.

When i corresponded with BMW in XXXX for the Voluntary Surrender, it was the last time I had heard anything from them. NO notices in the mail, by email or by phone.

They now, After 10 years of opening the account, they decide to report it to my credit reports as a charge off, 30 days past due. I havent heard from BMW Financial since 2017. These dates are way past the Statue of Limitations with the State of Florida. 
I have since disputed.