davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
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: Navient Solutions, LLC. (GA)

Late Payments are reported on my Navient Account for months in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in the year XX/XX/XXXX in XX/XX/XXXX. The entire time this account with another company and in forebearance for all ofXX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Navient bought this account in XX/XX/XXXX so  how they be reporting lates from XX/XX/XXXXand early XX/XX/XXXX? I asked the credit bureaus for verification as well as Navient and not response. 

This is an error and a violation of the FCRA. I have made every payment ontime to Navient since they took over. 

Please remove these erroneous late payments kind regards, XXXX
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (GA)

This is a follow up to Complaint ID No : XXXX. I made a complaint about SunTrust bank and the unduly charging of fees. Part of this complaint was also that I requested that my account be closed as I wanted no further dealings with this bank. The request was made written and verbally on XX/XX/2017. The bank immediately closed my savings account however to date, are refusing to close the checking account. They are stating that there is a balance owed. I agreed and requested that they close the account and send an invoice for payment for the balance owed. I would in turn make payment on that balance within 5 business days. The bank has refused to close the account. I was told that the account would be locked from activity. This also did not happen. They have allowed transactions on this account in an effort to again extort fees. I was told by one representative that if the account was closed that it would be sent to collections. I advised them to do exactly that and I would pay the invoice sent by collections company. This has not happened. I absolutely refuse to do business with SunTrust and I have told them this on the many occasions that I have requested that this account be closed. I am now reaching out in an effort to get this account closed so that all ties can be severed!
Consumer complaint received 2017-12-12
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. (GA)

XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.
Consumer complaint received 2017-12-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unifin Inc. (CA)

I was called from the number XXXX and the person I spoke to informed me they were calling regarding an unpaid hospital bill from 3yrs ago. I asked for more information and the collector started yelling at me asking if I was going to pay or not. I was simply trying to understand because this bill was supposed to be taken care of by workers comp and my insurance. So I was very confused. I had not been receiving any notices or bills in the mail regarding this debt. I asked to speak to someone else because he wasnt listening or offering any additional info or clarification about the debt. He then yelled at me I was just going to waste their time and he was noting in my account I was refusing to pay and hung up on me. I called back and spoke to a woman and told her what happened and she then hung up on me. I called back a 3rd time and spoke to a man named XXXX and he explained everything thoroughly and we were able to get to the bottom of it. He pulled the recording for his manager to hear and I hope that they will actually take action against that individual and it wasnt an act. I feel like it was a bait and switch / good cop / bad cop kind of situation & very manipulative. These should not be standard or normal practices.
Consumer complaint received 2017-12-12
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: EQUIFAX, INC. (CT)

On XXXX XXXX I called Equifax to check the status of a dispute. I was unable to access my complete report, Equifax could not locate my file and asked me to send them proof of my identity to further process my request. It seems Equifax was updating my report at the time and it was unavailable.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.
Consumer complaint received 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have a Consolidated Stafford loan with XXXX XXXX, that was recently switched to Navient as the servicer. The loan has been on an IBR payment plan for several years, but on XX/XX/XXXX I called Navient to inquire about lower monthly payments. I was told that switching to a  graduated payment plan would reduce my monthly payment to around {$40.00}, so I agreed to switch. I was then told in order to switch payment plans they have to apply a 1 month forbearance, so I agreed. 

A few days later I received several emailed letters. One email showed a higher payment amount than I was originally told and another email stated that a reduced interest rate incentive will be removed from my account. On XX/XX/XXXX, I called Navient to inquire on these letters and was told that the once they processed the new payment plan that the payment went up because my loan term was shorter than previously thought. I was also told that the reduce interest rate incentive was removed because of the forbearance, but would be reinstated once the forbearance ended and I was placed on the new payment plan. 

After 2 payments on the new payment plan I noticed that the interest rate was still not reduced, so on XX/XX/XXXX I called Navient a third time. This time I was told that the interest rate reduction incentive can not be reinstated because it was a 'voluntary forbearance ' not an 'administrative forbearance '. 

Again, I never wanted the forbearance, but was told I had to do the forbearance in order to switch payment plans, I was given no other option other than the forbearance, and I was never told I would lose the interest rate reduction. Had I been told any of that, or that the actual payment would be twice as much, I would not have switched the payment plan.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Re : XXXX XXXX XXXX XXXX Account Ending XXXX Last Four of SS : XXXX I opened my XXXX XXXX XXXX XXXX the first part of XXXX, XXXX and applied for this card specifically because of the rewards. 

**Earn 10,000 Membership Reward points after you use your new card to make {$1000.00} in purchases in your first 3 months** I made well over {$1000.00} in purchases in the first several weeks alone, and 20,973 points were finally posted to the account on XXXX XXXX, XXXX ( note that these took nearly two months to post ). When I tried to redeem the points for a gift card on XXXX XXXX, XXXX, a message popped up that said the account was under review. I have since spoken with numerous people at American Express and received different answers as to why, but the last person with whom I spoke advised that since I had returned a few items, the account was flagged. Furthermore, I was advised that every time I go into the account to try to use the points ( that still show as valid!! ), their system automatically resets a 6-8 week timeframe in which Im unable to use the points ( points that I have earned ). That would have been good information to post on the account! 

My purchases since opening this account in XXXX, XXXX have totaled {$6600.00} and I have paid {$5900.00} on this account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I used this credit card exclusively until about 1 week ago and will not be using it until this matter is resolved. 

I would like the hold on these points removed immediately and would like to redeem the points which I have earned.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A. (FL)

This complaint involves a prepaid credit card issued via a Citi Visa card by XXXX XXXX in lieu of a refund for a credit balance.Instead of just sending me a refund of {$110.00} on a discontinued account they sent me a prepaid credit card which I never asked for.I did use the card and then destroyed it.I called up XXXX XXXX in an effort to cancel the card and stop receiving account statements.They were of no help and gave me a Citi number.However they informed me that they issued a second credit card for an additional credit that was owed me.They could not give me that card account number and I never received the second card.All of this aggravation could have been avoided if like any other normal business they just sent me a refund check.This is a scam as they are hoping you do n't use the card or do n't use it for the full amount and thereby relieved them of the obligation to pay a full refund.So now I have two credit card accounts that I never asked for that were set up without my authorization and the second card was never recieved.In terms of dates I terminated the XXXX XXXX around XXXX of 2017.I recieved the first card perhaps in XXXX of 2017.I could not resolve this with Citi as I do not have the account number since I destroyed the card and their IVR will not put you through to a live person without an account number.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX CXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2017-12-12
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. (GA)

I never got a mortgage with XXXX XXXX XXXX XXXX and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened dateXX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/XXXX
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I never got a mortgage with XXXX XXXX XXXX Mortgage and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened date XX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/XXXX
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: GOLDMAN SACHS BANK USA (TX)

Apple Card/ GS Bank USA has been reporting a closed, charged off account which has negatively affected credit report.

15 U.S Code 6802 15 U.S Code 6805 Charged off accounts are considered income and must be removed
Consumer complaint received 2017-12-12
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. (NC)

Hello,My name is XXXX XXXX XXXX. I am XXXX years old. I am a XXXX XXXX. I am an XXXX veteran of the United States of America. I object to being treated like this. My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of.This needs to stopped.I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!
Consumer complaint received 2017-12-12
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. (NC)

Hello,My name is XXXX XXXX XXXX. I am XXXX years old. I am a XXXX XXXX. I am an XXXX veteran of the United States of America. I object to being treated like this. My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of.This needs to stopped.I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!
Consumer complaint received 2017-12-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX Bank of America, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX banks sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.
Consumer complaint received 2023-12-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

am writing to express my ongoing concerns regarding the debt claimed by this agency in the amount of {$10000.00} along with a move out date of XXXX XXXX discrepancies and inaccuracies in there records are causing unnecessary distress, and I am seeking a prompt resolution. 

I have provided comprehensive documentation, including : XXXX. A copy of my current leasing contract, effective XX/XX/2023. 
XXXX. A cashiers check made payable to the owner mentioned in my lease contract. 
XXXX. A utility bill generated at the beginning of XX/XX/2023 to establish residency. 
XXXX. Mail addressed to me at the previous address, as per your request. 

Despite my efforts to comply and the provision of a photo ID affidavit of truth, your agency continues to harass me for more information. I want to emphasize that my name is XXXX XXXX XXXX, not XXXX XXXX as stated in your validation letter. 

It is disconcerting that, after three separate investigations, your agency has been unable to reach a decision and persists in requesting additional proof. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) .I have also sent by email the laws they have violated and have not heard any response regarding theyre in accuracies I urge your agency to promptly and accurately assess the information provided and cease any further unwarranted harassment. I am willing to cooperate within legal boundaries to resolve this matter, but I expect fair treatment and adherence to the established laws. 

Please acknowledge receipt of this letter and provide assurance of a timely resolution. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing to dispute an unauthorized hard inquiry that has recently appeared on my XXXX credit report. Upon reviewing my credit report, I noticed an inquiry from Bank of America XXXX XXXX XXXX I did not authorize this inquiry, and I am concerned about the potential impact it may have on my credit score. 

I have not applied for any new credit or made any inquiries with Bank of America ] during the time period in question. Therefore, I believe this hard inquiry was made without my permission. I have also taken steps to ensure the security of my personal information and have not shared my details with any unauthorized parties. 

I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report, as it is negatively impacting my credit score and may be indicative of fraudulent activity. 


I also request that you provide me with a written explanation of the outcome of your investigation and the actions taken to rectify this issue. 

I am confident that with your assistance, we can resolve this matter promptly and restore the integrity of my credit report. Thank you for your attention to this dispute. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My father and I have social security numbers that are XXXX digit apart and have the same first and last name. 

We have different addresses and different histories but the reporting agencies always have material that ends up on XXXX or the other. I'd like to have his information off my history because it frequently causes problems for backgrounds checks at work. This is the XXXX time this has happened over 15 years.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NJ)

This involves a dispute submitted to a XXXX XXXX XXXX XXXX. 
I submitted a dispute to the company which is not claiming I did not submit enough info. 
he dispute involves a transmission Repair Facility XXXX XXXX in XXXX XXXX, NJ XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. XXXX. 
I brought a XXXX XXXX XXXX in with a transmission issue which I was assured was repaired. Since they assured me that they fixed this problem and my cost was under {$1000.00}. I asked them to look at the brakes and a fan that was making noise. I picked up the vehicle even though the cost was {$1300.00}. ( I have included 2 explanation documents here with a fuller explanation. ) The next day I discovered the vehicle had the same transmission issue. I brought the vehicle back and they wanted to charge me for additional work they said needed to be done. I now was into this for over {$1000.00} and the problem still exists ... I filed a dispute with the credit card company ( XXXX XXXX ) XXXX XXXX is the company that administers this card. After submitting my docs including an estimate by another transmission dealer that said they should have recommended rebuilding this transmission at a cost of approx. {$2000.00}. If I had been told that at the beginning I would have never done any of this work. Its a 12 yr old vehicle and not worth this repair. I believe they misrepresented the repair status and the only offer I received was a warranty that did not cover the transmission. The original repair invoice make it seem like the transmission problem is secondary but that is he original reason I brought it in. 
The credit card company is complaining that I need to get another vendor to explain what the original dealer did wrong ... I can not get a dealer to do that they refuse to do that ... The dealer also represented this as an intermittent problem which was also not correct. 
The Docs I have included : 1. The Original Dispute 2. 1st submitted explanation 3. Estimate form another repair shop 4. 2nd explanation 5. Emails exchanged with Transmission shop owner 6. Original Repair invoice 7. Credit Card final