davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

Hello, When I was in college I took out both Federal and Student loans as students often do. Both loans were originally supposed to be for 10 years. As I drew closer to the 10 year mark ( after deferring for 2 years, graduated in 2004 ), I noticed that the Federal Loan wasn't on pace to end with the private loan. I requested proof in writing that I had agreed to extend or consolidate my loan and was provide with a document with numbers as my signature. I never once was approached about extending my loan nor would I have. Of my two loans, the Federal was the cheaper of the two. They extended the loan another 5 years. It's another 5 years of paying more interest which I didn't want to however was not in the financial position to pay outright. This is 100 % unfair and I really didn't know who to turn to and complain. I saw that some teachers union out in California is suing and it brought everything back up again mentally. Have you had any other complaints about the same? 
I look forward to hearing from you.
Consumer complaint received 2023-06-17
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. (GA)

XXXX {$3000.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint against Experian, a credit monitoring service. I signed up for a free trial in XX/XX/2021, but was charged {$24.00} per month without my consent. I received free credit monitoring as part of an Experian data breach settlement but this was not applied. As of today, I contacted Experian customer service to request a refund, but they refused to do so. Stating their terms and conditions. I never used the services in fact they had an inaccurate email address the entire time- Ive never received any email either. 

I believe that Experian 's actions are in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Bureau 's regulations. I have attached copies of my communication with Experian, including emails and receipts, to support my claim. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian.p Thank you for your attention to this matter. Please let me know if you require any further information. 

Sincerely, XXXX
Consumer complaint received 2023-06-15
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: Credit Karma (OK)

My tax return was sent to credit Karma on XXXX for {$2500.00} XXXX for {$80.00} and XXXX for {$2700.00} The person who filed my taxes for me hacked into my account using the virtual card and had that money cashapp to her account her name is XXXXXXXX XXXX aka XXXXXXXX XXXX DOB XXXX Social Security number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX I have filed a police report and reported to FTC XXXX XXXX has not put the money thats owed to me back on my card and is saying I have a negative balance of {$2700.00} I do not owe this money and they owe me that money since I did not XXXX her! It can be traced through the virtual card as the representative told me how it was accessed. I never even knew about a virtual card XXXX they blocked the virtual card on XXXX due to my disputes.
Consumer complaint received 2023-06-17
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. (AZ)

Reprise XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Citibank. Fraudulent charge to my credit card account on XX/XX/XXXX for {$24000.00}. I discovered and reported the fraud to Citibank on XX/XX/XXXX, and Citibank agreed to reverse the charge, but never did. Citibank withdrew the {$24000.00} from my bank account without authorization on XX/XX/XXXX. I called twice to have the amounts refunded, but Citibank did not process the refund. My bank finally reversed the charge, then Citibank charged me {$27.00} for the reversal of their error. It is now XXXX, and Citibank still has not reversed the fraudulent charge, which continues to drastically affect my credit score and undermine my ability to get a home loan. I called and spoke with XXXX with  Citibank on XX/XX/XXXX and she gave the same line as every other time, that they are processing it and it is awaiting management approval, which means they will do nothing about it again, and I can expect them to try to withdraw the funds from my bank without authorization again. I have spent at least five hours trying to work with Citibank to get this resolved, but they continue to refuse to reverse the fraudulent charge from my account. XXXX XXXX with Citibank 's executive office responded to my last CFPB complaint, but has not fixed this issue and has not returned my call.
Consumer complaint received 2018-10-15
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

I have contacted and faxed XXXX, XXXX, and Equifax on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MO)

I requested a withdrawal from XXXX XXXX to my checking account at CHASE. During the time it was pending, my phone and account had been stolen and hacked/compromised, and the next morning while the funds were at the time still pending. Chase urged me to close the account and open a new one. I did. They said the deposit would be kicked back to XXXX XXXX and Id have to request it again. XXXX XXXX informs me they never received the funds. A week or so of being given the run around and then I see ( where there wasnt before ) XXXX XXXX payments initiated from my account remotely to someone in California all in small increments, between the hours of XXXX XXXX and XXXX XXXX. Chase has refused to reimburse me the funds lost from this account. There are more details that i will go over when needed. They also due to this froze my account and then closed it. I will mention that while I was trying to get the funds returned, AFTER already losing the funds, they had me replace my router, my bank account, my phone, and my XXXX ID and password and they kept saying they would refund me once I did. So I did. And then They didnt. They also asked for and were furnished proof from XXXX showing that my phone had been stolen and compromised. They asked for this XXXX times each time saying they didnt know where it was. They would laugh. And hang up on me as I called everyday for XXXX months. At this point. I am exhausted. Im defeated. XXXX giant corporations, lost {$700.00} of mine, and they act like it was some life changing fortune im trying to get. Or they act like Im trying to get over on them. I just want whats mine, nothing more. Nothing less. {$710.00} was the total of the deposit and roughly XXXX I believe never made it to my hands.
Consumer complaint received 2023-06-17
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. (CT)

I am writing to file a formal dispute regarding the inaccurate information on my credit report, which I brought to the attention of Experian on XX/XX/XXXX. Despite the considerable time that has passed, Experian has failed to respond or rectify the following discrepancies. I kindly request your intervention in addressing this matter. 


XXXX XXXX XXXX  Account Date Opened : XX/XX/XXXX Balance : {$1500.00} Experian is reporting inaccurate information for the XXXX XXXX XXXX account. The original creditor for this account is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX. I have never had any contractual relationship with XXXX XXXX XXXX nor been contacted by them. Furthermore, the reported balance of {$1500.00} is different from the amount I believe I owe. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 

XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$3800.00} The information presented for the XXXX XXXX XXXX account is also incorrect. The original creditor for this account is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX. Experian provides erroneous information about the balance, reporting it as {$3800.00}, which is different from the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 

XXXX Account Date Opened : XX/XX/XXXX Balance : {$4000.00} Experian inaccurately reports data for the XXXX account. I am uncertain about the accuracy of the reported balance of {$4000.00}, as it exceeds the amount I recall owing. The account is indicated as closed and charged-off, and therefore the Past Due amount should not be provided. I will clarify this matter with the creditor. Meanwhile, I request that Experian mark this account as disputed to prevent further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 

XXXX XXXX  XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} The XXXX XXXX XXXX account listed on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} The XXXX account indicated on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} The XXXX account listed on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$240.00} The XXXX account indicated on my credit report has never been late. Please correct and update this inaccurate information accordingly.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2023 my credit monitoring company notified me of a Bank of America account that was opened in my name. I did not authorize the opening of this account and on that same day I notified Bank XXXX XXXX of the fraud who advised they would close the account. 

On XX/XX/2023 I received a statement from Bank of America showing a {$0.00} balance on that account through XX/XX/2023. The account should never have been active through XXXX and should have been closed on XX/XX/XXXX, and upon calling Bank of America on XX/XX/2023 they advised me that the account was closed and I had only received a statement reflecting a XXXX date due to billing cycles. I asked that they send me documentation that the account was closed and the rep I spoke with advised she would request it be mailed to me, but that it would likely take a month or longer. 

Today, XX/XX/2023, I received another statement from Bank of America showing a {$0.00} balance on the account from XX/XX/XXXX through XX/XX/XXXX. The account should be closed and I should no longer be receiving statements.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-17
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 (NV)

Order XXXX frozen authorization scam. On XX/XX/23 XXXX placed a {$48.00} authorization hold on my Walmart Capital One credit card, with final charge at {$44.00} for grocery delivery. Instead of using charge to replace authorization as promised, Walmart double dipped essentially freezing {$92.00} for a {$45.00} purchase!!!!!!!!!!!! Capital One & Walmart robbed me & sent me to each other. Both companies extended purchase date to XX/XX/23 in a fraudulent attempt to make correction go beyond statement closing date of XX/XX/23 to falsely generate over the limit fees.
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (FL)

I am locked out of my EXPERIAN.COM  account. I have tried for weeks called several times worked with agents and it has even esclated but noone will contact me! I have tried numerous times using the forget password. THe Experian account says sucessful password but when i try to get in it gives an error report UNABLE TO PROCESS YOUR INFORMATION AT THE TIME and they have even asked for snapshots. NO ONE WILL CALL and it has costed me hours of troubleshooting. MAybe they will call me and resolve this issue after you contact them. XXXX XXXX THis issue started when they hounded me to reconnect my bank and one of my creditors XXXX but could never get resolution. THeir system says all set but i continue to get the reconnect XXXX account.
Consumer complaint received 2023-06-15
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MD)

In XXXX of 2023 I had a family emergency and needed a {$1000.00} loan. I was not able to acquire a regular loan because of my credit score. River Valley Loans ( tribal loan organization ) approved me for the {$1000.00} loan. I originally signed for bi-weekly payments of {$260.00}. On XX/XX/2023, I called to change the payment date because I started a new job and my pay cycle changed. I spoke with a male agent asking if I can change the payment date and he stated yes. The next payment was originally supposed to deduct from my checking account on XX/XX/2023 but the date was changed to XX/XX/2023, and bi-weekly from XX/XX/2023. I failed to realize I signed up for weekly deductions of {$130.00} which was not explained verbally to be. I asked for biweekly deductions of {$260.00}. A payment was deducted from my account on XX/XX/2023, for {$130.00} and I noticed another payment was deducted on XX/XX/2023 for {$130.00} which caused my account balance to go low. I tried to reach out to the company but could not get through because of the high call volume. After doing research I found out Maryland law states that a lender can only charge 2 to 3 % monthly interest or 33 % annual interest on payday loans. After looking over my contract they are charging me an annual interest rate of 651.46 %. So far I have paid them back a total of {$1800.00}. I do not feel like I am legally obligated to pay back the rest of the loan. They are stating I owe a total of {$3900.00} if I am not able to pay the loan off early. I have attached a copy of of the new loan agreement as of XX/XX/2023.
Consumer complaint received 2023-06-17
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: Bread Financial Holdings, Inc. (PA)

Someone stolen my identity and used my name for years getting fraudulent items in my name .I have and ex husband and bad divorce .My life was taken under my nose and stolen by someone using my name badily and when covid 19 hit and that bad disaster someone really used my name .Please removed all errors Every year they keep coming back on my credit report.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My CFPB complaint ID ( XXXX ) status was closed today ( XX/XX/2018 ) and I received an email about that.

You guys said, " The status was marked as a duplicate complaint on XX/XX/2018. This complaint appears to be a duplicate ( Previous CFPB complaint ID # XXXX.to EQUIFAX ) of a complaint we've already received. We've included a reference to this complaint on that record. '' I don't know if you guys read my attachment file correctly, but I don't think it was supposed to be duplicated. I'll attach documents one more time. Please carefully read my attachment from XXXX XXXX  this time.

I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter ( Ref ; Attachment ) from XXXX XXXX on XX/XX/2018. They said, " In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your Ally auto account to reflect it as Paid in Full. '' But after 30 days I looked at the credit reports for each agency and found out that they were still not yet correct.

Thank you!