davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

We have excellent credit and pay all our accts within 30 days. However occasional fraud attempts result in need for replacement cards. Thus in early XXXX I requested a replacement card from XXXX and received it. But I also requested an additional card for my wife, which I had rejected years ago for lack of need. Subsequent and repeated requests for status resulted in being told that apparently no one was capable of accessing that information. Finally a call was received from an XXXX rep stating that due to a FRAUD ALERT ( about two years ago ) there was no telephone number on the FRAUD ALERT for them to contact me for approval. Huh? They just did, didn't they? 
The utterly frustrating experience of automated responses, virtual assistants and agents who can not access information is beyond belief. I simply wish to have an additional card for my wife. It has been impossible to get through the 3 credit bureaus automation to attempt to correct the lack of telephone numbers on their reports. I have no idea why that would not have been included. Today I received 3 separate " letters '' from XXXX incorrectly advising they were " confirming '' cancellation of Additional Card application ( s ) allegedly as I " requested ''. This has become a critical Catch 22 situation with no resolution within sight.
Consumer complaint received 2018-12-30
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. (GA)

Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. Equifax, XXXX  and XXXX
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Attn : CFPB This delinquency originated at the end of XXXX, and therefore should be off of my credit report. They need to provide the original referral for collection with the lease. If they can not provide this, per FCRA they must remove this from my credit file. 

XXXX XXXX XXXX
Consumer complaint received 2018-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA Federal Savings Bank ( USAA FSB ) closed all of my accounts in XX/XX/2018 without informing me of the reason. I attempted to determine the cause of the closure and all the USAA FSB representatives I spoke with refused to give me any details. The closure had two primary impacts. First, I was forced to move ( after 20 years with USAA FSB ) all of my accounts to another financial institution. This consumed considerable time and expense as I had my personal checking and savings accounts, checking and savings accounts for the care of my XXXX mother, and my daughters college savings account with USAA FSB. Direct deposits, bill payments, automatic transfers, etc. all had to be reconfigured. 

Second, USAA FSB also revoked my online access to usaa.com, which then impacted my USAA provided insurance service as I'm no longer able to access those insurance accounts online. Given almost all communications are done electronically through the usaa.com website there is now a constant problem accessing insurance information. For example, my auto insurance information was provided through the USAA mobile app, as is emergency service information, which I now can not access because USAA FSB shut down my account. 

Despite numerous attempts to communicate with USAA to attempt to understand why this happened, let alone petition to have them re-estabish my accounts or at least online access to insurance products, I've failed to receive any explanation.
Consumer complaint received 2018-08-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

For past several years I have applied for IBR. It requires renewing on an annual basis. I submitt required paperwork, and in followup conversations Navient reps tell me they are processing my request. However, many months into the application process they tell me to file forbeareance or hardship, because they say they still have not processed my request for IBR and will get back to me.

By the time I am granted IBR, it is already time to renew IBR, or it is never processed and they have no record I applied.

Thus my complaint is as follows ; they steer me away from IBR, by delaying my application process for IBR toward forbearance. Navient is not transparent about why the IBR application process takes so long or why at times it is never processed and will not fix the problem after many attempts on my part at communicating the problem to them. Navient has never made an attempt to expedite my IBR request and seems ignorant or clueless about why they can not process my request.

I have never been granted an IBR in a timely way. It takes longer then 2 months, sometimes 5 months to process an IBR, if at all.
Consumer complaint received 2018-12-29
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. (CA)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a )  There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX  XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXXXXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN  XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name 01 XXXX XXXX XXXX XXXX XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA   XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name 10 XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MN XXXXXXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name 11 XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT
Consumer complaint received 2018-12-29
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)

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX   XXXX XXXX XXXX  XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX  XXXX XXXX XXXX   XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX  XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

First of all this was a timeshare. I paid XXXX for 2yrs even paid off 1 property. But they were misleading and unfair on how I would be able to use the property and when I could have access. So, when I wanted out, they wouldn't let me out. And I agreed to pay a certain amount to keep my account current to keep them from filing late on my credit report. But, they took my money and didn't hold up to their end of the deal. 
Then when I tried to contact them, all discovered they had went out of business or been sold to XXXX XXXX XXXX and my accounts had been closed. 
For 2 years I hadn't seen or received anything from XXXX, Now in XX/XX/2018, two accounts appear on my Experian report as delinquent. I filed disputes with Experian to have them removed with no success. 
I feel I shouldn't be responsible to pay for a timeshare that had bad business practices and unfair consumer practices.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2018. I am boarding XXXX Flight from XXXX  to XXXX. Ticket is purchased with my AMEX XXXX XXXX Credit Card which printed on my boarding pass. Per AMEX XXXX XXXX Credit Card Terms and Condition which i should entitle ZONE 1 Boarding however i been assigned to ZONE 4 Departure. I have contacted AMEX and XXXX to inquiries about said Terms and Conditions and found out there is no communication between XXXX and AMEX. AMEX is charging {$95.00} annual membership fee and card holder should entitle for the benefits listed on the AMEX Card Terms and condition. however XXXX stated cleared in their the email that XXXX XXXX XXXX ticket holder do not entitle to AMEX benefits. However the said Terms and conditions is not listed anywhere in the cardholder agreement. 

see below from AMEX : Thank you for your continued patience. Please see the following : " Priority Boarding Card Members are entitled to receive Zone 1 Priority Boarding on XXXX flights. Benefit is limited to Basic Card Members ( not Additional Card Members ) with the Gold, Platinum or Reserve XXXX XXXX  Credit Cards. Reservation must include the Basic Card Member 's XXXX number. Priority Boarding is also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine passengers per reservation receive the Priority Boarding. Priority Boarding will only be available on XXXX and XXXX Connection carrier operated flights. XXXX does not offer Priority Boarding on XXXX XXXX  flights. New Card Members and Card Members upgrading from another XXXX XXXX Credit Card product from American Express will be eligible for the Priority Boarding benefit after receiving their Card from American Express. Offer is subject to change without notice. Additional terms, conditions and restrictions may apply. See XXXX XXXX XXXX for details.
Consumer complaint received 2018-12-29
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. (MO)

My identity has been compromised and looking at my credit report I see accounts on there that I have absolutely any knowledge of and requesting that they be removed immediately. In concert with the FCRA law if the reporting agencies can not provide physical documentation to the consumer then the disputed accounts shall be deleted. The following accounts are 1 ) Avant, ( XXXX ) {$1300.00} 2 ) XXXX XXXX ( XXXX ) {$860.00} 3 ) XXXX XXXX XXXX ( XXXX ) {$710.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX  ( XXXX ) {$130.00}
Consumer complaint received 2018-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MO)

After years of attempting to modify my mortgage through XXXX, I finally made 3 trial payments of {$1900.00} as agreed and ahead of schedule on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX representing trial payments for XXXX, XXXX and XX/XX/2018. 

As I was awaiting modification documentation to sign, the servicing was transferred to Selene who agreed to honor XXXX 's modification agreement and send endorsable documentation to sign. On XX/XX/2018 the mobile notary came to my home with non-endorsable documents because Selene sent the modification documents in the name of XXXX XXXX and not my current name, XXXX XXXX. 

I immediately contacted Selene and requested both accurate documentation and a review and reconsideration of the terms - which now included a balloon payment and mortgage calculations which I was told would take 30 days. After more than 30 days of no response, I made contact with Selene on XX/XX/XXXX, which was immediately followed up with an email. Selene at that time requested a copy of my drivers license, which I provided.

Selene also indicated on XX/XX/XXXX that they could not take any payment from me at that time due to a missed XXXX payment. I explained that I was advised to await the completed modification before making my next payment, which I thought would be XXXX, but that I could make both XXXX and XXXX immediately if needed, which was rejected. Instead, I was asked to accumulate these payments and be prepared to make them all at once when the modification documentation was resubmitted which I have done. 

At the end of 30 days, XX/XX/XXXX, I was preparing to reach out to Selene on a status when I learned that Selene moved forward with the process of selling my home which now has a sell date of XX/XX/XXXX. I was told on XX/XX/XXXX that they have 30 " business days '' not counting weekends and holidays and that I have until XX/XX/XXXX. 

On XX/XX/XXXX, I was contacted by the rep for my account, Mr. XXXX, who indicated that he was going to initiate the review of terms by the investor as it had not been done yet. I asked how long it would take, he stated he didn't know. I asked if they would take actions to remove/push out the sell date/foreclosure status on the home pending their getting me endorsable documentation, he said they would not do that. 

I have email documentation showing that I have contacted Selene requesting endorsable documentation given that I have made my 3 trial payments and I have not to receive it. 

I am concerned that the mortgage company will continue to drag its feet and that I will lose my home.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

Contacted XXXX XX/XX/XXXX about unauthorized inquiries they responded 2 days later as verified. There is no way I never had any deals with any company listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc (CO)

A few months ago, I went to the ER. I made sure my contact info with the hospital was current, but for some reason, the bills went to an address I haven't lived at for 10 years. Before I could figure out why I wasn't receiving the bill, I found out I needed XXXX. I was contacted by the debt collector about a week before my XXXX, which is when I found out what amount I was being charged. I asked to receive a written statement sent to my current address. I did receive that a day or so before XXXX. 

Healing from XXXX didn't leave me in a position to deal with the debt. Today, they contacted me by phone, which is understandable. What is not acceptable is that they failed to identify themselves properly. 

My boyfriend answered the phone. I usually don't answer calls from numbers I do not recognize, so I asked him to answer and give me the phone if it was the debt collector. Unfortunately, when he answered the phone, the caller would only identify as " XXXX on a recorded line. '' He asked multiple times who she was, and she would not identify as a debt collector. Only after she was asked directly, " What company do you work for? '' ( please note that asking " where are you calling from? '' and " who do you work for? '' did not get a proper response ) did the caller identify her employer as XXXX. She still did not identify as a debt collector. 

My boyfriend ended the call. I had talked about needing to talk to them to set up a payment plan, now that I am recovered from my XXXX ( entirely unrelated to the debt they are trying to collect ) but neither of us are comfortable dealing with a company that refuses to identify themselves properly. I understand that they do not wish to disclose information, but I also know that they are legally required to identify as debt collectors, even if they are not speaking directly to the debtor. Had they identified properly, I would be discussing payment with them now. 

The call occured at XXXX MST, Fri XX/XX/XXXX. The call was from XXXX.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MI)

My XXXX year old mother-in-law, XXXX XXXX passed away in XXXX after a lengthy illness. In one of her purses, we found four unused {$25.00} Mastercard Gift Cards. We believe she received them as a gift either for her birthday or XXXX in XX/XX/XXXX. Today I went to " register '' them online and found they were worth nothing because there is a $ XXXX inactivity fee charged. So for each of the four {$25.00} cards, $ XXXX was deducted on each one. Since it has been a year, they are worth nothing. I think this practice is reprehensible. I've never heard of a gift card that charges $ XXXX for inactivity! On the package it says " Gift Card - The Perfect Gift use anywhere Debit Mastercards are accepted. '' Card information for each {$25.00} card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX Can something be done about this? It seems like this is a complete rip off. Thank you for any help.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I started the claims on XX/XX/2018 for two unauthorized withdrawals from my account worth {$900.00} from my checking account and {$1900.00} from my savings account via a bank of america branch in XXXX  ( I live in XXXX XXXX due to school and was nowhere near XXXX at this time ). 

They told me it would take 60 business days to resolve but was recently told they can not extend past 10 unless they give me provisional credit due to regulation E. Well, their customer service lied to me and they never game me funds. It has been already been 30 business days and they still refuse to give me my funds and there has been no updates to my claim ever since I started it. Bank of America is having their customer service lie to their customers so they can take their time and refuse to give funds.