davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

In the Spring of  XXXX , I discovered from a colleague that, because we worked at a nonprofit organization, I was eligible for a ten-year payback plan, in which the government would forgive my loans after  XXXX  years of service and continuous monthly payments.  SallieMae  informed me at the time that I was ineligible for this service.     In Spring  XXXX  when I heard again that I should have been eligible, I called  XXXX . They informed me that I had to contact a separate agency who would enroll me in this process. However, none of my six years of payments would count toward then  XXXX  years.     Now this spring, I heard that there was a class action lawsuit against Sallie Mae/  XXXX   for the inaccurate information that they gave me in  XXXX .  Sallie Mae /  XXXX   has recordings of these phone conversations.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused XXXX XXXX to my XXXX, my XXXX my mode of living and to my XXXX I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a XXXX to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A XXXX may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is XXXX XXXX XXXX  and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, Would you mind looking into this personal information for me - Seems a little awkward with certain information. I was going through my personal information on my credit and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? Under the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 2 ) and 605B, I am disputing the presence of employers listed on my credit report. The inclusion of employers on my credit report is inaccurate and irrelevant to my creditworthiness, as it does not pertain to my credit history or financial obligations. 

Employer - XXXX XXXX Employer - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Name - XXXXXXXX XXXX Incorrect DOB - XX/XX/year> Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, AZ XXXX These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year>
Consumer complaint received 2024-10-02
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. (OR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XX/XX/XXXX, I noticed my card being used for transactions I didnt authorize I contacted Chime immediately! Totaling {$600.00} long story short I filed a claim on those transactions and was given a heads up I would receive a provisional credit to hold me off just until the investigation is done today they closed my investigation and havent provided me any type of provisional credit which is a lie and also they not telling me why they closed it when Ive provided as much documentation as needed to get this problem resolved the lady on the phone in the background said it sounds like Im just tryna get over on them. Like how can she dare say that when Im trusting you guys to bank with in the first place it makes no sense! Im currently homeless and have no where to go that money was my last hope in this world honestly please you guys Look into the people who work for Chime they do not care about returning peoples money they take 45-90 days to even look into the problem thats red flag number one red flag number to if you going to have a support chat in the app somebody should be able to get a hold of someone that works directly for chime! not the automated bot that literally solves nothing! please return my money
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. Furthermore, I demand that you demonstrate your lawful authority to conduct business with me or any other contesting consumer. You do not have the right to act negligently, as you are holding me at risk of financial and creditworthiness harm. Therefore, I demand that if you are unwilling or unable to comply with my request within 20 days of receiving this notice of consumer complaint, you must immediately cease all derogatory or harmful actions towards me, including reporting or collecting any unverified, untrue, invalid, or non-compliant claims or debts. I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

on XXXX XXXX 2016 I requested for equifax to remove the following accounts XXXX # XXXX XXXX XXXX XXXX XXXX/2016.because according to the consumer credit reporting reform act of 2016, which state all negs, paid/settled accounts should not stay on a consumers credit report after 45 days after payments.attached to the request was XXXX XXXX for XXXX and XXXX for XXXX XXXX XXXX to show filed date.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I reviewed my Consumer Reports and noticed that I had two multiple payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

I was set up to have payments made monthly on auto to have the balance paid in full to take advantage of the XXXX rate. During the span of the promotion my payment was changed and I went over the allotted timeframe and they applied the interest plus charged 32.8 % on the new balance. I was never contacted about any changes or that my period was about to end and that all this interest would be applied. Carecredit was very deceitful and did not handle this appropriately. I paid off this debt and closed the account. I was able to get them to take off XXXX of the XXXX plus they stole from me.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OK)

I paid off my Synchrony CareCredit credit card balance in full on XX/XX/XXXX, in the amount of {$6800.00}. On XX/XX/XXXX, Synchrony issued a new statement in the amount of {$94.00}. When I called to inquire about this new balance after a pay off in full, Synchrony stated to me via telephone that this balance was from interest accrued from XXXX XXXX XXXX, XXXX. No new charges have been made on the credit card since XX/XX/XXXX, in the amount of {$290.00}. All new transactions have deferred interest for XXXX months per the terms of the CareCredit card. I was told today that I can not overpay to avoid interest accruing prior to XX/XX/XXXX, due date and that it is impossible to ever fully pay off this credit card since no overpayments are authorized.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

My bank Chase will post transactions on a day, but the transaction will be showed as posted the day before. I can check my online banking and show it having a positive balance, but check it later before XXXX and see transactions appear that were not there hours prior. 

The other is adding transactions, such as auto payments in the late evening around XXXX and counting them towards my account earlier in the day. 

The other problem I have is reordering my transactions. They may hold little ones, then have a bigger payment go through, after bank closing then reorder old transactions to post after the big payment. This has happened many times. 

Sometimes it seems like they have my account watched and when I have a lower balance and something bigger posts, they try to reorder my account to give me the max fees. I always fix my acocunt the very next day. Would be nice if they were fair and posted transactions on day done or even next, and did not tack on charges before its XXXX.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2016-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans union shows that I have filed bankruptcy. I have never filed bankruptcy. I 've disputed this several times. They told me it was the credit card, which is still current and I use and make payments on. I contacted the credit card company and they said they are not reporting me as filing bankruptcy. This has been on my credit report for over a year. I continue to get the " run-around '' by the credit bureau.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (CO)

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 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have identified that XXXX and Equifax are reporting inaccurate information regarding an account with XXXX XXXX XXXX  on my credit report. This account has been transferred or sold to a collection agency, and, therefore, XXXX XXXXXXXX XXXX no longer owns it. Despite my request with the credit bureaus to re-investigate this account XXXX and Equifax failed to provide within 30 days how they validate the account to be accurate when the last update shown is XX/XX/year>, and XXXX and Equifax have not removed the inaccurate information from my report or furnish information on the account, which is violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.
Consumer complaint received 2016-12-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

In XX/XX/XXXX we got a payoff figure from Navient for our son 's XXXX student loans and sent that amount to pay off the loans. First they applied all the money to XXXX loan giving it a negative balance of thousands of dollars while the other XXXX loans went unpaid. After calling they took that balance and paid it on the other loan but not as a payoff. They made monthly payments with it, paying the loan up through XX/XX/XXXX and telling us the next payment was owed at that time! This type of action continued for months. Despite our calling ( each time talking to different people who said they would fix it ) nothing happened and we continued to get bills. Finally my husband sat down with the manager of our bank and called. She knew the amount that was paid and all information concerning the check. She demanded to talk to the accounting department ( something we had not been permitted to do ). After 20 minutes they admitted to her that our loan was indeed paid off. After months, we even got a check for a reimbursement for overpaying. Six months later the bills started coming again. For the last year we have gotten weekly bills. Now we ( and our son ) get MANY phone calls as well. Six to eight calls a day to be exact. Starting at XXXX and going through the evening. We explain to the caller, ask for a print out of our last three years of transactions, get confirmation that will happen and then never receive such a print out. We are at the point of suing this company for harassment. We just found out about this website and hope you can help us.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have identified that XXXX and Equifax are reporting inaccurate information regarding an account with XXXX XXXX XXXX on my credit report. This account has been transferred or sold to a collection agency, and, therefore, XXXX XXXXXXXX XXXX no longer owns it. Despite my request with the credit bureaus to re-investigate this account XXXX and Equifax failed to provide within 30 days how they validate the account to be accurate when the last update shown is XX/XX/year>, and XXXX and Equifax have not removed the inaccurate information from my report or furnish information on the account, which is violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.