davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (IN)

I reached out to XXXX XXXXXXXX to retrieve my unofficial transcript on XX/XX/XXXX and was told there is a hold due to an outstanding balance. They notified me the balance is from XXXX, for {$1400.00} and this is my first notice of the over due balance. I received XXXX during my attendance to the school and should not have an outstanding balance of any kind. I am determined to go back to school, my major has changed and I need that transcript for my future and to withhold it from financial hardship is unfair to me. I offered to do a payment plan even though I shouldn't owe the balance and they still said they wont release my transcript. I have never been notified of the over due balance and they state they already sent it to a collector. I reached out to Aid Advantage the servicer of my loan and they said I do not owe a balance until XX/XX/XXXX. At this point I am confused as to how a school can hold me from my future. I just want to succeed.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (PA)

An account on my credit report is reporting a collection that is inaccurate. The collection company is trying to report the collection as being newer than it really is. I Received a response from my dispute letter on XX/XX/XXXX from the collection company in which they validated the debt as accurate. Then I tried disputing this with the credit reporting agency XXXX three times. Letters sent certified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have not sent a response at all.
Consumer complaint received 2020-08-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had an credit card account with Bank of America. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that Bank of America was allowing XXXX to have access to my account to make payments and balance inquires. I requested that BofA stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. BofA did so ... and the charges continued ( under the old number ). BofA told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. 

There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. 

Bank of America is already in possession of all documents related to this. I have provided them multiple times over the years.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  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 2022-05-02
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. (AZ)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (VA)

I had outstanding balances that were paid on XX/XX/XXXX at XXXX for {$1200.00} and XX/XX/XXXX at XXXX for {$1100.00} that paid the entire balance on my credit card for the month of XXXX with a statement ending date of XX/XX/XXXX and a period ending date of XX/XX/XXXX. They are saying that even though I made the payments on time, they are saying that the payments didn't clear so they are charging me interest on the account. I have never had payments take this long to clear, and was given no indication that their policy toward payments had changed. They are now telling me to pay 5 days in advance, even though the due date is the end of the month ( which would hurt me as a consumer to prevent me from continuing to earn interest on those funds for 5 days because of their unmentioned change in policy ). I also have the account set up on autopay for the full remaining balance to prevent interest from being charged, which is misleading because I was still charged interest even though my payment processed.
Consumer complaint received 2020-08-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (CA)

I was attempting to make a financed purchase of a XXXX XXXX from XXXX XXXX XXXX for my home office/XXXX XXXX on XX/XX/2020. On their checkout page the PayPal Credit Financing Option for 0 % interest for 12months made the purchase manageable for me. I applied for the financing through PayPal credit to make the purchase and was approved for only the pre-tax price of the computer. Upon check out I received repeated errors noting the payment processor was unable to authorize the account. After contacting PayPal ( processing ), my bank and my credit card, I was assured there were no issues on their end. I then realized my purchase was being denied due to my PayPal Credit limit being below the total purchase price ( with tax ). 

Upon requesting a {$300.00} increase of credit on the account on XX/XX/XXXX, I was denied. 
While I was able to close the account due to not being able to complete the purchase I established the line of credit for, the time, brief hits to my credit and lack of powerful computer leaves me behind on various projects I am currently engaged in. None the less to PayPal.
Consumer complaint received 2020-05-22
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : WELLS FARGO DEALER SVC XXXX, XX/XX/ 2019 2019
Consumer complaint received 2022-09-22
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

As I am so the victim of circumstance of a transferred promissery note, I should be considered for loan forgiveness due to the recent Navient lawsuit. 

Per what I have read on the matter, as part of the agreement, Navient vowed to erase {$1.00} billion of subprime private student loans that its predecessor, XXXX XXXX, gave to students who attended for-profit schools, many of whom had low credit scores. Many of these schools have now shuttered their doors. 

You must have borrowed a private student loan from Navient or its predecessor, XXXX XXXX, between XXXX XXXX XXXX  while, of which I did, attending certain for-profit school such as XXXX XXXX XXXXXXXX XXXX 

And speaking of XXXX XXXX  XXXX, On XX/XX/XXXX an absolutely massive settlement between XXXX XXXX XXXX and the Federal Trade Commission was finally settled, under which XXXX agreed to provide {$140.00} XXXX in student loan forgiveness benefits to former students still on the hook with outstanding Federal student debt. 

This lawsuit stems from the same accusations Ive been tracking here for years, that XXXX committed unfair and deceptive marketing practices, giving the impression that the school worked with large national companies to create great job opportunities for students, and tailoring its courses and lessons specifically to help students land those jobs. 

In reality, the FTC found that many XXXX students graduated with poor job prospects, very little actual support from XXXX, and tons of student loans that they were on the hook for, but which they were having trouble paying off. 

Allegedly, XXXX also apparently purposefully targeted their marketing campaigns at XXXX XXXX XXXX, myself included, thus making me a again a victim by scandalous means. 

At last checked Naviant has created some type of double entry on my credit report showing that I owe twice as much as I should. If my loans were prior federal I should have been a part of the government for parents issued by president Biden. Yet XXXX 's showing link that I am past due for over several months making my credit rating plummet to the 4 hundreds. I am not able to refinance my home or purchase a car at a decent rate that I may maintain some standard of livelihood.

Henceforth, As a victim of circumstance, I respectfully request that my loans be reviewed while in forbearance, and my credit report brought current for the Navient lawsuit forgiveness as well as the University of XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On numerous occasions since XX/XX/XXXX, I have followed up with Transunion regarding the letter that XXXX XXXX provided to them regarding a bankruptcy that is on my credit report. 
I have placed called to Transunion and spoke to numerous managers, XXXX, Mrs.XXXX XXXX-regarding this account. All representatives replied that XXXX XXXX validated the information which is not true. 
On XX/XX/XXXX, XXXX XXXX sent Transunion a letter to remove the bankruptcy off of my report as it was invalid and inaccurate. On XX/XX/XXXX, XXXX XXXX also confirmed they on fact remove the bankruptcy off of my credit s well as, removed it off of their files. Transunion was notified via mail from myself as well XXXX, XXXX XXXX and to date, Transunion refuses to validate where they received the information as well as acknowledge the letter from the very source that provided them the information. 
Transunion is violating my Fair Credit Reporting rights. They replied on the phone to me they do not have to send me a letter in writing on how they validate their information. Please see attached letters from XXXX XXXX as ample proof of what I am saying. I am demanding that this reporting agency removes this information and adhere to the Fair Credit Reporting act. 
I thank you in advance for assisting me with this.
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have created a complaint, sent out letters, supplied my proof and still received notification from the company that the information was verified by XXXX XXXX. I have attached a copy of my confirmation from XXXX XXXX that they are NOT to share my information dated in XXXX but Equifax has a letter dated XX/XX/XXXX that was their method of verification.
Consumer complaint received 2023-03-21
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. (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 XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX 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 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Received notice from Huntington Bank regarding lack of proof of insurance for my condo. I provided them the proof in XX/XX/year>, and again in XX/XX/year>, via their provided instructions on their website, as well as to XXXX as I have always had insurance. I've also spoken to them live 3x in the past 3 months to try and confirm this is resolved Then I receive a notice at the end of XXXX that they've purchased additional insurance on my behalf as they dont have proof of my insurance. 

The level of incompetence and lack of followthru at Huntington is remarkable. Now I have to spend more hours of my life to get them to undue this.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( XXXX XXXX XXXX ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per XXXX XXXX effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX
Consumer complaint received 2020-08-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

My FHA refinance was started in XXXX of 2020. To date, it has not closed. I have had three different processors and have been to a manager who told me he would take care of it over a month ago. I have not been contacted in three weeks. I have been ignored and no one responds to me. Every-time I escalate my concerns I am told that the prior person left the company and they are trying to replace them. It has now been six months and no one is working my file. I have tried calling and emailing and continue to be ignored. My rate expired after 72 days and no one will answer me as to whether I get the lower FHA rate. I am just left out here with an unprocessed loan for the last six months. I continue on my own to research and try to reach people in management positions to resolve the issue.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hard inquiry on my credit for a limit increase. It appeared that the request would be a soft inquiry but ended up as a hard inquiry. 

I would like the hard inquiry removed from my report. 

This was my XXXX XXXX credit card through XXXX.
Consumer complaint received 2022-03-11
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 Convergent Account : XXXX / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX has violated my rights. 

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

15 I.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MA)

XXXX XXXX spoke with representative that say my car wont get repo XXXX XXXX was wrongfully repo XXXX XXXXreinstated my car XX/XX/XXXX, XXXX sold my car paid off auto loan
Consumer complaint received 2022-09-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX hasn't responded to my dispute letter in over 30 days. 

I have sent certified mail and attached the receipt number as well in my dispute letter. 


receipt # : XXXX The account # : I was disputing was : XXXX
Consumer complaint received 2021-09-27
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-02-01
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. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things 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 XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: EAST WEST BANK (NJ)

I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said no.XXXX We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then Invested XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. The scammer happens to be a client of East West Bank, owner of accounts XXXX XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX ''. East West Bank provided service to a criminal and was involved in Money Laundering.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. 
I contacted XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c section 602 A states I have the right to privacy I request that you investigate all inquiries listed above on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, XXXX XXXX