davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OK)

After reading the summary of the suit against Navient I just wanted to add my issue with releasing my parents as co-signers from my loans. As stated in the complaint the policy states that you must make a number of on time payments. I have been on autodraft for over a year ( an incentive to reduce my interest rate ) so I have met this requirement but when I called they told me I had to have made 1 year 's worth of on time PRINCIPLE payments and since I had been on the interest only repayment plan I did n't qualify. I could n't find this online anywhere but understood and accepted the explanation. I have since been trying to remember to pay a separate $ XXXX/mth to my loans in order to meet the requirement but I have missed this more than once in the last 4 months. I was planning on just calling again XX/XX/XXXX which is 1 year from when I 'd called and trying again. I do n't know if my situation is evidence of any wrongdoing but I wanted to share since it differed just a little from what the complaint summary outlined. 

Thank you for fighting for us. Graduating XX/XX/XXXX during the recession was not easy and while I 've worked hard to stay on top of everything it 's harder than ever for my generation to deal with these mountains of debt and still be expected to have lives to the standards of our parents or better. We were raised believing we could do anything or be anything and that hard work and education pays off, but the world is different and all our fundamental beliefs are wrong. My boyfriend is XXXX younger than me, did n't graduate from college and still was able to get a job and progress to buy a house at the age of XXXX. Now he 's XXXX with a home and an expensive car and no student loan debt and has made more than me since we met XX/XX/XXXX. I am XXXX with a degree and while I am able to manage my car loan and student loans I ca n't imagine being able to buy a house or even pay rent ( which is pretty cheap in XXXX compared to the country averages ) and we are n't married and neither of us has any children. I ca n't imagine being in my parent 's situation at this age, they had XXXX kids and a home and my dad has a degree but my mom does n't and how they managed just blows my mind and I 'm so grateful to them for being great examples. I am lucky that my student loan debt has at most been between $ XXXX-XXXX/mth and I am within 2 mths of paying off my Federal Sub loans but I will still be paying Navient for the next 10 years unless something magical happens. My situation is so much easier than most, but I also know how student loan debt can paralyze you and how 9 years after graduating it still is n't paying off for me. 

Thank you for all you 're doing.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (GA)

It has recently been brought to my attention that my title for my car has never been sent from my previous Lease holder Chase Auto Finance to my current financier XXXX XXXX XXXX XXXX. Chase neglected to send the title even after it was requested several times XX/XX/XXXX, resulting in an 18 % APR charge from XXXX XXXX because they never received the title. I worked directly with Title Research agent XXXX XXXX XXXX, who only sent me the lien Release, but did not send the title. My car payment is XXXX per month now. It was calculated at XXXX with the title ( 14 % APR ). This has directly effected my ability to pay other bills and has cost me approximately {$570.00} and has prevented me from getting additional lines of credit, recently including a car loan from XXXX, as they stated that I was too far upside down on the loan currently and my current APR was too high at 18 %.
Consumer complaint received 2023-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I sent a {$250.00} XXXX  deposit payment to XXXX XXXX, owner of XXXX XXXX for a custom dress for an event on XX/XX/XXXX. The dress was supposed to be delivered on XX/XX/XXXX. The owner failed to make the necessary alterations as agreed and did not deliver the dress as scheduled. A refund was requested from the owner who failed to respond. I contacted CapitalOne and explained the nature of events that I did not receive the dress as agreed and that I was requesting a refund from the owner. The owner stopped communicating with me and I tried to resolve the issue through CapitalOne. CapitalOne provided a temporary credit in the amount of {$250.00} for investigation XXXX. CapitalOne failed to request any information from me as evidence for my claim and made a decision to reverse the temporary credit on XX/XX/XXXX which was drafted on XX/XX/XXXX stating that the payment was processed per instructions yet I did not receive the services as agreed. This is the 3rd time this banking institution has failed to due it's due diligence and conduct a fair and thorough investigation on claims initiated by me. It is noteworthy to mention that I filed another claim with another banking institution concerning a final payment to this owner whereas the bank ruled in my favor. This banking institution requested information to determine that my claim was valid. In addition, I need to reference another claim which was denied by CapitalOne XXXX concerning a rental deposit of {$320.00}. CapitalOne also ruled that the payment was accurate again without conducting the proper investigation and requesting supporting documentation to substantiate my claim and the temporary credit which was given on XX/XX/XXXX was reversed on XX/XX/XXXX. However, the XXXX XXXX XXXX emailed me on XX/XX/XXXX and mailed a check in the amount of {$320.00} which was disputed with CapitalOne. I am requesting that CapitalOne honor it's commitment to consumers that utilize it's services since the banking institution has failed to properly conduct investigations when claims are initiated from my account. There is a form of prejudice that exists and I would like them to review my account with integrity and fairness. Each claim I have initiated has been denied without any request of documentation from me to make a decision.
Consumer complaint received 2023-02-23
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (TX)

I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX, XXXX, TX XXXX Please update to my full legal name XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XXXX My only employer is : XXXX Please remove all phone numbers on my credit report. 

Please remove all of the other ADDRESSES off of my credit report. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America to report that we had lost my husband 's debit card was lost in XXXXXXXX XXXX XXXX. I waited to give them time to resolve the issue and used my XXXX XXXX XXXX XXXX checking account while they figured it out. They never canceled the card and continued to pay out of my account. I went from having {$500.00} to owing {$40.00} for bank fees. I filed a complaint and was told that the charges were approved and my claim was denied. They said there was a fee for some ancestor website when I called them. The amount was not even close to {$500.00}. They closed the account and told me they could do nothing else for me.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MD)

NFCU DENIED FRAUD CLAIMS MADE BY INTERNARIONAL COMPANIES - I SENT THEM INFORMTION AND PROOF THAT THESE ARE FRAUDULENT - THEIR CREDIT CARD COMPANY APPROVED MY FRAUD CLAIMS I SENT IN FOR THE CREDIT CARD CHARGES MADE FROM THE SAME INTERNATIONAL COMPANIES. THEY SAY THAT MY FRAUD CLAIMS DONT MATCH THE CLAIMS- AND BECAUSE OF " HISTORY '' THEY HAVE CLOSED ACCOUNTS - CUT OFF MY DEBIT CARDS AND NOW HAVE ME IN COMPLETE FINANCIAL RUINS- THEY OWE ME MY MONEY - LETTING A COMPNAY TAKE OUT {$100.00} 49 TIMES IN ONCE DAY - I CANT MAKE MY BILL PAYMENTS AND NOW MY CREDIT IS DROPPING EVERYDAY - PLEASE MAKE THEM TAKE RESPOSIBILITY - FEDERAL LAW STATES THAT I AM ONLY RESPONSIBLE FOR {$50.00} IF I REPORTED IT - I DID REPORT IT AS SOON AS I NOTICED THE MONEY WAS GONE - INFACT XXXX I DID NOT EVEN REPORT THE FRAUD THAT TOOK PLACE IN XXXX BECAUSE I THOUGHT IT WAS TO LATE NFCU NEVER CALLED ME ABOUT THIS- THEY JUST DENIED THE CLAIMS - I CALLED EVERY SINGLE DAY TO TRY AND GET THEM TO LET ME TALK TO THE INVESTIGATOR AND THEY DENIED ME THE ABILITY TO DO SO
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (NY)

I keep getting harassing phone calls regarding payments. I have tried to talk with XXXX ( Sallie Mae ) about a lower re-payment option, such as any income based rates, and have been told no that I need to pay my monthly amount or I will default. My interest rate keeps increasing and my amount owed has never gone down in the 3 years I have paid. I work full time at a decent paying job and most of my paycheck monthly is paid to these loans. I have never missed a payment, but I have used all of the allotted time ( 12 months in total ) to put payments on hold due to family and medical emergencies.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

XXXX XX/XX/2023, ive sent dispute letters to the credit bureaus and never had an answer back from them.ive been a victim of identity theft and i would like those fraudulent accounts to be remove from my credit report.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2017-01-19
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio Recovery Associates still is contacting to collect a debt via phone after sending them a court ordered letter that the charge had been dismissed and no further action to be taken. They still contact me stating that they are threatening litigation which they ca n't for the same charge twice. I 've asked them to stop calling based on FCRA rules and they still keep calling me weekly. They say its their company policy that any request has to be made written and that they will keep calling and I am responsible for this debt. I have all court documents showing otherwise.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : 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 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 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 XXXX 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
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : 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 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 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 XXXX 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
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit inquiries were previously disputed and deleted from my credit report. I check my report and found that the deleted inquiries were re-entered. I made several calls to Transunion and the representatives that I spoke with admitted that there was a glitch in their system. I was transferred to their " special handling department '' to get my request fulfilled, they advised that they will handle, confirmed that the items would be removed and nothing ever happened.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Equifax is by far the most uncooperative company I 've ever had the ( dis ) pleasure of interacting with. Their website has an option to dispute items on your credit report but it never functions. I have, along with my mother and husband, attempted to use their website daily for weeks. It will ask verification questions that do not pertain to the person who is submitting the request and then rejects. We also attempted using the free annual method but same questions are asked and it rejects the request. This issue is misleading and can make consumers believe they are a victim of fraud when really Equifax is just making it impossible to access information to which we are legally entitled. Calling them has proved useless as well since they simply say sign up for the {$19.00} a month service and you can bypass the trouble. I should n't have to do that and it seems they are causing these road blocks to make a profit. XXXX and XXXX were perfectly functional and disputes were submitted without headache ... yet I still ca n't seem to get into Equifax. I ca n't even get the 90 day fraud request submitted as it gives the same error. They told me the only option is to print form upon form and mail it to them in XXXX along with every identifiable piece of my existence ( Birth Certificate, DL copy, SS Card, Rental Agreement, etc. ) which would be detrimental if intercepted!
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I had a Kohl 's charge opened in approx. XXXX. The original credit limit was XXXX. The company unknowingly raised my credit limit. After I asked to have it reduced, they refused. During this call I also noticed that my card had been used in a fraudulent manner for {$800.00}. I had discussed this issue with the creditor, however they did not fix the issue but rather sent my account to collections after multiple attempts to rectify the situation on my part.
Consumer complaint received 2023-01-12
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. (FL)

This is XXXX XXXX please 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 2023-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CO)

In XXXX, a former employer set up a XXXX XXXXXXXX XXXX  on behalf of myself with BMO Harris. 

In XXXX, XXXX XXXX announced they would be transferring management of XXXX accounts to XXXX. This transfer would occur in XX/XX/XXXX. 

In XX/XX/XXXX, BMO Harris should have transferred {$2400.00} to XXXX. Their wire transfer shows {$0.00}.

I have contacted BMO Harris customer support 2 times, a BMO Harris branch where my account was set up by my former employer3 times, and XXXX  2 times. I have been bounced back and forth saying I need

to call one another. BMO claims there is nothing they can do as they dont have access or visibility into the accounts and their staff at the branches dont know how to troubleshoot the problem beyond lip service that theyll look into it. Ive had to follow up each time. Lively says the funds transferred match t
he {$0.00} and that theres nothing they can do on their end. They have on record that Ive called twice and had an extended conversation with one of this reps.

The funny thing about this is I can still see the XXXX account in the BMO Harris portal, despite them claiming my money does not exist. 

Today, XX/XX/XXXX, after following up with BMO Harris I saw a note on my account saying they were updating the balance of the account to {$0.00} and since the account is marked closed. 
In my most recent call on XX/XX/XXXX to discuss why my account was being updated if they no longer could look into it they hung up on me and refused to answer my call again.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (IL)

I had a fraudulent account on my credit report. I placed a fraud alert on my credit report with all XXXX agencies through XXXX. Then tried to dispute the account with all XXXX agencies independently. XXXX and XXXX had phone numbers to contact directly and dispute the charge immediately. However Experian lists phone numbers that are purely automated ( no option for an agent, hangs up after ) referring to the website. Tried the file a dispute on the website but i needed a copy of their credit report. I tried putting in my information and it told me " they are unable to honor my request '' and that I would have to submit in paper through the mail a request including all my personal and private information including social security number, date of birth, address and potentially money to buy a report. I already have a report through a different group, i do n't need a report. I just want to dispute a charge but there is no way to get this done directly. This is a consumer business that handles my credit information and is essentially holding it hostage to make a fee on a credit report. How is it possible that there is not a direct phone number to an agent required for this business?