davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

XXXX XXXX  provided false information in their initial response. I updated my contact information once I was notified of their reporting to the credit bureaus. I have an active US mail forwarding request in place, so any mailed correspondence truly sent would have been forwarded to my current address. I have received nothing from them. They have only contacted me through their internal mailbox system. If I had no idea that my payments were in repayment status, I would have no need to sign into their website to check for messages. I was also still enrolled in school during the alleged 90-day delinquent status and did not complete exit counseling. If I justifiably believed that my loans were not in repayment status, I would have no reason to log into my account to check for messages from them. They also have my account listed as e-billing only, so that also conflicts with their claim that they mailed me. I also previously contacted the company regarding this dispute to find out why I was not notified and billed, and they said that I must provide consent for them to contact me. So they are being completely untruthful in their response that they have attempted to contact me. They also lied by saying they reviewed documentation to support my claim, because I did not provide any documentation yet. Additionally, they are reporting to the credit bureaus that the dispute has been resolved. They are not following requirements of the FCRA with that inaccurate statement and the FDCPA with their dishonest collection attempts, and they also have not added that I disagree with their resolution after the dispute, which is another violation of the FCRA. Their practices are deceitful and unethical. I'm not satisfied with this company nor their response. I will continue to pursue my options to correct their illegal reporting and collection actions.
Consumer complaint received 2018-04-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I attend a school by the name of XXXX XXXX XXXX XXXX in XXXX XXXX FL in XX/XX/XXXX right before graduating the school dropped many of us who had perfect attendance and good grades requested us to go to a office I didnt think nothing of it because the dean said it was something the loan company asked them to do so they made us all write on paper. Our current situations to pay an additional payment after being dropped for no reason that it was just encase if the loan company needed it or we couldnt attend school anymore so I wrote one it was a sloppy note because I was upset at getting dropped with good grades and coming to school everyday later after graduation I got a extra bill that I owed and additional {$6000.00} to pay separately not including my student loan with XXXX XXXX my first payment was extremely high than I ever had from any of my past loan. 

Something around {$170.00} a month I stayed in contact begging and pleading to please lower my payments as I had not found work in my field for 2 yrs of searching my diploma was no good to me which in return me and my kids were evicted and had to live on the streets as time went by I would call again to ask for a forbearance or something 2yrs I sent out XXXX resumes a month and was told my diploma with XXXX XXXX XXXX XXXX was not valid. 

I and my children had to relocate because we couldnt even get house for low income because of the daily posting on my credit from XXXX XXXX Navient it is XX/XX/XXXX and Im steal struggling with these people to get them removed and loan dismissed all together I am XXXX XXXX XXXX and feel the choice I made to start a new Career back in XXXX was the biggest mistake I could have done my children are affected Im affected emotionally our grandparents past way and we couldnt see them because of the forced relocation of a better life we lost our valuables when we were evicted nothing but the clothes on our backs. 

Thank you for taking the time to investigate theses people because they dont realize what they have done to a lot of people or how they displaced many looking for their dream of being XXXX XXXX XXXX that was never any good.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood. 
No one gave them permission to use my name or my details
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I settled this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has no right or valid contract, it is against the law to collect money twice ... XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX XXXX XXXX, you can not collect money twice ... 
I contacted original creditors and was told that your system may not be updated or is in error ... XXXX verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... please remove or litigation will follow, this is in violation of F.C.R.A. law
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (TX)

Hi I applied for a Walmart credit card and I input all my information correctly and was put on hold for awhile and synchrony bank didnt give me a reason why my application is put on hold or contact me to verfify that I applied for the card all they told me is that I have to wait for a letter that coming in 7-10 days I was told at the end of the application is to call the bank and tell them I applied and the supervisor is giving me a XXXX response and my credit report was pulled and I had applied in the past with synchrony bank and they keep giving the run arounds and made to fax and notrize documents and I didnt get a final decision 40 days later with another credit card ... ... my Walmart credit application number is XXXX and I want some answers this is why I voted for XXXX ... .... we need american call centers ... ..
Consumer complaint received 2024-10-11
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. (GA)

I would like to dispute these negative accounts on my credit report. 

Equifax : 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Navient Solutions, LLC. (LA)

Receives career loan on XX/XX/XXXX in the amount if {$2800.00} at 12.5 % interest and still paying this loan today, XX/XX/XXXX, 14 years later with a balance of {$1900.00}. 

I would like this company 's accounting practices investigated because I don't believe that navient is accuratly managing my account.
Consumer complaint received 2018-10-08
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. (NY)

This is not my debt, I've never opened a credit card with this company. It appears on my credit report I've disputed it several times and it has not been removed. I did not enter into a contract with this business. My credit report states the account was open in XX/XX/2017. It says I owe {$780.00}, I've disputed this account numerous times with transunion it has not been removed. The company that brought the debt and have falsely attached this debt to my credit report is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is not my first complaint, and after 5 months of waiting to get this issue resolved I feel this is my only option to communicate with Capitol One. May of this year I applied for a capitol one credit card for XXXX XXXX XXXX ( where I work ), I was emailed by a representative asking for more of my Income information, I declined and decided I no longer needed the card. I never got a response from the representative, some time later I check my credit report and I not only have that credit inquiry from the XXXX but she processed another credit application on the XXXX which I DID NOT AUTHORIZE. I immediately called, left voicemails, sent emails etc. No response. 

Fast forward to XXXX when I create a complaint on CFB, Im contacted by someone in the executive offices saying they are aware of the issue and that she " accidentally '' submitted another application when she was trying to see if any information was updated ... what could have possibly changed on my credit in a day? 

I was then sent a letter stating they would send all the information from my account to the credit companies and it would left the the reporting agencies to decide if they would remove it or if it would become a soft inquiry ... that was suppose to take 60 days max. 

60 days later and the unauthorized inquiry is still there. I contact the number I was given to the executive office, the woman I originally spoke with is not available or just doesn't know how to return calls. I speak with a new gentlemen, he ensures me he will look into it and see why it is taking so long, says he will call me by the end of the week to update me. 

I call him after I never receive that update, it appears as though my case was never sent to the reporting agencies to be removed, I finally reach him, he promises once again to keep me informed on the process, that was two weeks and two voicemails ago and have yet to hear from anyone. I told him that it is extremely important that it be removed because I will be purchasing a home in the next few months. He then created a case for me # XXXX, not sure why there wouldnt have already been one. I dont know how many complaints I must post, or representatives I must talk to in order for the issue to be resolved.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

This is in connection with data breach with Equifax.. I signed up to get notices if anything unusual happened with my credit on XXXX XXXX, 2017. I have received 3 texts from Trusted ID telling me there is some suspect activity. I tried calling the number they sent only to get a constant busy and then on hold for over 2.5 hours!
I then tried on line and was unable to get through on line either. Then, I tried to get my free credit report from Equifax only to be told it was unavailable. How am I supposed to protect my credit that they exposed if I ca n't even find out what the credit breach may be? I am beyond frustrated and worried about what may be happening to my excellent credit. Please help!!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting and Request for Investigation Dear CFPB, I am writing to report violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Equifax, and XXXX ( collectively, the " Credit Bureaus '' ) regarding inaccurate information on my credit reports. Despite multiple disputes and evidence provided, the Credit Bureaus have failed to correct the errors. 

Account Information : XXXX Account # XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Dispute History : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Evidence Submitted : - Letters to each Credit Bureau - Records showing equipment returns on XX/XX/XXXX - Email from XXXX XXXX dated XX/XX/XXXX - Recordings from XXXX stating the balance of {$2200.00} includes equipment charges totaling {$820.00} Facts : 1. The Credit Bureaus have reported an incorrect balance for the past 5 years.

2. I have repeatedly disputed this error, providing evidence to support my claims.

3. The Credit Bureaus have ignored my disputes, failing to investigate and correct the errors. 

Impact : - Inaccurate information has harmed my credit scores with all three Credit Bureaus. 

Request : 1. Immediate deletion of Account from my credit reports.

2. Investigation into the Credit Bureaus ' handling of my disputes.

Notice : If I do not receive a satisfactory response within 15 days, I will pursue legal action to protect my rights under the FCRA. 

I request your assistance in resolving this matter and ensuring the Credit Bureaus comply with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Attachments : - Copies of dispute letters - Evidence documents ( records, email, recordings ) - Proof of mailing ( certified mail receipts ) After 15 days, if unsatisfied, consider consulting with an attorney specializing in consumer credit law.
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Due to a potential bug on Bank of Americas website, {$1100.00} were debited from my bank account on XX/XX/XXXX to make a payment towards my credit card account, which now has a negative balance of - {$1000.00}. 

Bank of America customer care has been giving me a hard time to get my own money back and has caused a lot of inconvenience to me. On XX/XX/XXXX, after talking with customer care for 29 minutes & 4 seconds, I was told that Id have to wait for XXXX business days before Bank of America would initiate a refund for {$1100.00}, which were automatically debited from my connected bank account. Obviously itd take a few more days for that amount to actually reach my bank account! 

On XX/XX/XXXX, I had made a purchase of {$1100.00} using my Bank of America credit card, which was in pending state, and didnt post, as the purchase wasnt finalized. The purchase details disappeared from the Bank of America website on XX/XX/XXXX, and instead, Bank of America debited my linked bank account for {$1100.00}, probably due to a bug in its online system! I requested several Bank of America customer care executives to report this bug, as it can possibly be reproduced by emulating such a ( unfinalized ) purchase. 
As of today ( XX/XX/XXXX ), Bank of America has temporarily disabled transactions on my credit card, and I wasnt even notified! So, first they withdrew funds from my bank account without my permission, and then they froze my credit card. After talking to Bank of America customer carXXXX on XX/XX/XXXX for XXXX minutes & 56 seconds, I was told that I cant make purchases using my credit card due to a huge negative balance, and they cant initiate a refund that amount to me before XX/XX/XXXX. 

Since Ive been asked to submit copies of my bank account statements to United States Citizenship & Immigration Services ( a federal government agency ) by XX/XX/XXXX, this mistake by Bank of America,  and its subsequent reluctance to acknowledge its mistake, has not only wasted a lot of my time, but has also caused other sorts of trouble for me.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX XXXX XXXX VIA XXXX  " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX and Transunion, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1 " XXXX   XXXX XXXX/XXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including XX/XX/XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

Sincerely, XXXX   XXXX
Consumer complaint received 2018-10-07
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: DISCOVER BANK (CA)

Filed a dispute for prepaid damaged goods I received. I submitted 13 exhibits to the credit card company with my dispute to back up my position of the damaged goods produced and delivered by the merchant. I have proof of the upload of those exhibits, I also notified the credit card company that they had an extended warranty policy attached to the use of their credit card use by the consumer which I relied upon and thus used the credit card with confidence due to that feature. 
Credit card company provided a temporary credit and subsequently ruled in my favor with the right of the merchant to appeal their decision. I was notified that any documentation the merchant provided would be sent to me and that arbitration if required would take place The credit card company reversed the dispute initially in my favor stating only that they received documentation from the merchant. They did not provide copies of any documents they stated they would. They claim that I only uploaded 3 exhibits, although I have proof of the 13 uploads on their platform. 
Those so-called missing exhibits were critical in establishing my claim of damaged goods including the acknowledgment by the merchant of the poorly produced and defective product. 

The credit card company made a reversal of the dispute without considering the facts and without extending my right to appeal and view the documents submitted by the merchant. They also indicate that their extended warranty policy was terminated and no longer offered to the users of their credit card. 
I indicated to them that they were required to provide me notice of that change in terms or policy which they never did.
Consumer complaint received 2018-10-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Embassy Loans (FL)

On XX/XX/2018 I signed an agreement for a Tittle loan from a company by the name of Embassy Loans , Inc. I was never informed that if I can prove that I had insurance coverage for six month from the starting date of the lein, they would never charge me in addition the Amount Paid for Voluntary Debt Cancellation Waiver which was XXXX charged on top of the amount I borrowed XXXX ... once I found out I was wrongly charged for not having insurance coverage for 6 months, I called them on XX/XX/18 to demand an explanation .... I had already made 4 payments of XXXX not knowing that I could have faxed them proof that I did have insurance coverage for 6 months on my car. They are also shubbing 28 % interest rate on this loan which is unheard of ... they scammed me into paying more then I got out of this loan ... I need help, I shouldn't have to pay them if they didn't inform me of the 6 month insurance coverage, they deceived me ...
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MA)

XXXX XXXX, Wells Fargo reported our account with XXXX 's XXXX to be 2 mos. late. Contact with the bank revealed they had sent initial 2 bills to another town. We'd not seen a bill. They acknowledged their mistake. THEY REFUSED TO CORRECT THE DING ON our credit scores until we paid up. Feels like extortion. All current bills were paid last Tuesday the 2nd.so the arrears is moot. 

I want them to indicate having made a mistake and clear my name Wells Fargo even sent me both undeliverable pieces of mail bearing the address in the other town which should have been enough to generate a fair prompt reversal of the negatives
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, Transunion and XXXX after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on XXXX is XX/XX/XXXX.on XXXX and Transunion IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX Fire Dept who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm  entitled to accurate reporting by law.