davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

For over ten years Navient has been college loan service provider - see attached for loan information - Navient has added predatory interest and fees to the original loan - Navient has never offered a path to fairly resolve this loan - Navient has always offered forbearance - Navient has turned our loan over to XXXX for servicing as of XX/XX/year>, to avoid any responsibility and any solution based upon the recent CFPB ruling and fines. 
Loan is for over {$93000.00} - double the original loan amount.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (GA)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
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. (AZ)

I have called Experian and requested the XXXX Unauthorized Hard Inquiries currently reported to my Credit Report - dated from XX/XX/XXXX thru XX/XX/XXXX - be deleted as soon as possible. 

Experian as well as XXXX and XXXX have stated I must report the error to the FTC, and then submit the FTC notification letter to them individually for removal consideration.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

FBI Victim Information Name : XXXX XXXX Reporting on behalf of a business? Yes Business Name : XXXX XXXX XXXX XXXX XXXX Impacting Business Operations? Yes Address : XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX Business XXXX  POC : XXXX Financial Transaction Details Transaction Type : Bank Wire Transfer XXXX XXXX Amount : {$4000.00} total Date : XX/XX/year> Victim Bank : Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX Recipient Name : XXXX XXXX Recipient Email : XXXX, XXXX Incident Description I was targeted through an XXXX  job posting for a remote position with " XXXX XXXX XXXX '' from XXXX. " XXXX XXXX '', " XXXX XXXX '', " XXXX XXXX '', " XXXX XXXX '', " XXXX XXXX ; XXXX '', " XXXX XXXX XXXX '' and " XXXX XXXX '' contacted me via email and XXXX for an virtual interview, and after the interview, I was sent a {$4000.00} check to deposit for work supplies. I was instructed to wire money to multiple individuals via XXXX and XXXX for these supplies. After transferring the funds, the check bounced, and I lost {$4000.00}. The individuals involved were : XXXX XXXX ( XXXX - {$400.00}, Email : XXXX ) XXXX XXXX ( XXXX - {$1000.00}, Email : XXXX ) XXXX XXXX ; XXXX ( Wells Fargo XXXX - {$2000.00}, Email : XXXX, XXXX ) XXXX XXXX XXXX ( Wells Fargo XXXX - {$1000.00}, Email : XXXX ) Emails From : XXXX XXXX XXXX, email : XXXX Content : Interview invitation, job offer, and instructions for sending funds. Victim Information Witnesses : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX Signature I, XXXX XXXX, affirm that the information provided is accurate to the best of my knowledge.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (OH)

Loan modification due to filing bankruptcy and upcoming divorce. We wanted to make sure I could handle the payment on my own. We sought modification was told wed lose the equity wed built purchased house XX/XX/XXXX and did modification on XX/XX/XXXX so about XXXX yrs XXXX months of equity. I questioned that and was told in order for the modification to be approved wed lose the equity. We were told we needed to make XXXX payments of {$1200.00}. Prior to approval which we did. We had a mortgage balance pre modification of {$160000.00} and after modification via fees, interest and other charges it was post modified to {$170000.00}.
Consumer complaint received 2024-09-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I am writing to formally document the situation regarding my student loan debt with XXXX XXXX, which was sent to Heartland ECSI in XXXX. I spoke with a representative who negotiated a plan for me to begin payments starting on XX/XX/XXXX, and I was advised to call again in XXXX to confirm this arrangement. 

However, on Tuesday, XX/XX/XXXX, when I logged into my account to make a payment, I noticed that the system showed I had missed four months of payments. Additionally, I found out that my debt had been transferred to another collection agency, despite my prior arrangements and communication. 

I am requesting clarification on this matter, as it appears there has been a misunderstanding or error. I would appreciate your assistance in resolving this issue and ensuring my payment plan is correctly reflected.
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (CA)

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 XXXX 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

They closed my account as a charge-off and I never got notified how to pay it off via mail so I think its unfair to put this discrepancy on my credit report and I tried to pay them but no response
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (VA)

Back in XXXX, XXXX, i was XXXX XXXX XXXX XXXX XXXX XXXX. I wasn't getting any sleep and had XXXX XXXX XXXX XXXX XXXX XXXX  among many other health problems. I had an aide name XXXX XXXX for some time. My son remembers more than I do, as I was also taking a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I lost about three years due to all these health problems. Very long story short, My aide was apparently manipulating me into using my card as well as using it herself when I wasnt able to go to the store. After some time had passed my son asked me about the card bc he kept paying on it but couldnt see where I was getting anything with it. finally it is my understanding that a {$1000.00} charges was added to the card and so my son fired the girl but he was young and had never dealt with a card bf so he didnt know enough to contact discover and report the fraud/scam. so the years have passed and I was just made aware of this judgement this month ( XX/XX/XXXX ), no phone calls, no bills in the mail nothing to let me know that this judement was there. My son who had been looking out for me as best he could, got married and had a baby so he wasnt able to help me anymore. 13 years passed without any notice to me and Ive had the same phone number for years. I wasnt able to fight this mentally or physically but now I can. This debt was only brought to my attention after my mother tried to get a loan and my name was on her deed so they denied it bc they found this when doing a title search. Otherwise I might never have known. I contacted discover and they said that they had written it off and the file was sent to XXXX XXXX  XXXX and that they would have to get the judgement removed bc they put it on there. I have not been able to get a straight answer out of either discover or XXXXXXXX XXXX XXXX about what I supposedly owe or what steps to take to get this judgement removed.
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: T.S. Holdings (CA)

I owe IQ Data International approximately XXXX XXXX XXXX$12000.00} in rental debt. The exact amount is unknown. I called IQ Data International on XX/XX/year> to request a debt validation letter to ensure this debt is valid and that the amount they're requesting is valid. They refused to provide one, stating " they are not obligated to prove anything and that I implied the debt was valid by contacting them. '' I asked them if they would be willing to work out a payment plan so I can pay back this debt in portions. They then threatened that a sheriff would be at my house by XXXX if I did not pay the debt in full and that my life would be ruined and I would never be allowed to rent an apartment again.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

In XXXX of this year I requested Navient for information on my account. I noticed that my balance did not match the calculations that I had for the length and amount of the loans. I requested a full accounting of my loan with Navient and filed a complaint with the department of education. In response to that complaint, Navient sent me an statement on my account for what they had as the length of the loan. I received this paperwork dated XX/XX/XXXX. In it it states that there were 10 separate instances of forbearance on my account XXXX, XXXX, and 6 instances in XXXX. I never requested a forbearance on my account. In fact, the payments have been consistent since the loan repayment started in XXXX. I replied to Navient and spoke to several agents about why it was on there. I was told that it was on a voice recorded line. When I requested that recording- they denied me and said that is not their practice. 

I spoke with an agent this week ( XX/XX/XXXX ) to inquire again and she told me that I requested a forbearance in XXXX because my parents were effected by the hurricane. I did not. Because of these false claims of forbearance there is extended interest on the loans I have been paying off since XXXX.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVERBANK XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX USC XXXX, I have identified the following accounts that have breached these legal provisions : [ Account ; XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX USC XXXX ( a ) ( XXXX ). 
According to XXXX USC XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX USC XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX USC XXXX ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX USC XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX USC XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

On XX/XX/XXXX, I closed on my home at XXXX XXXX XXXX in XXXX, IL for {$170000.00} ( put {$20000.00} down ) with CITIZENS BANK. The appraisal done at the time showed a value of {$270000.00}. I purchased the home from family for {$100000.00} less than they paid for it due to it needing a number of repairs due to negligence since purchase approximately a year and a half before. I didn't notice at first I was being charge PMI insurance at first, which is entirely my fault, however I shouldn't be charged PMI insurance when the bank ordered appraisal shows a value of {$270000.00} and after downpayment I only owed {$150000.00}. That puts me significantly over the 80 % XXXX. 

I have called Citizens Bank more than 10 times in the past year and a half trying to get this issue resolved. I was given the phone number of XXXX for a PMI specialist known as XXXX, whom called me, left a voicemail once, and when I returned the call, received no answer. Over the next few weeks, I left at least 3 voicemails requesting a call back to get this straightened out and have not received one call back. 

I have called Citizens and spoke with a representative whom told me that according to " their records, '' at the time I only had 13 % equity according to the appraisal of {$170000.00}, which is how much I paid for the home. When asked for proof of that appraisal, she replied, " I'm looking at the appraisal now, '' but when I informed her I also had the appraisal and it showed a value of {$270000.00}, she replied, " oh yes, I'm also seeing {$270000.00}, '' and told me she would have a specialist reach out, and promptly hung up on me. No specialist ever reached out.

The most recent call, approximately one week ago, the rep for Citizens told me she, " saw the note regarding the PMI complaint '' and would forward me to her supervisor. I sat on hold for approximately 10 minutes when she said the supervisor would prefer to call me directly than be transferred, I confirmed my cell phone number, agreed that was fine, and the call ended. No supervisor ever returned the call.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as XXXX  XXXX XXXX account XXXX XXXX, XXXX Account XXXX  XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX account XXXX  XXXX, XXXX Account XXXX  XXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-08-30
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. (IN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 1681 S-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 2024-09-12
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: CITIBANK, N.A. (NV)

*Company name CITI CARDS CBNA did a soft pull on my credit report on XXXX I did not initiate any transaction or relationship with CITI CARDS CBNA that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. CITI CARDS CBNA willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (WA)

Barclays either accepts fraudulent transactions and passes them on to the consumer, or racks up fraudulent charges themselves - I can not be sure. 

On XX/XX/XXXX, my card was charged for {$130.00} at a XXXX XXXX in XXXX, Illinois. 

I reported this transaction as fraudulent as I live across the country and have never been to XXXX, Illinois. 

Barclays told me the card was physically swiped, which is not possible because the card never left my physical possession. 

Barclays did an investigation and somehow determined the charge was not fraudulent. They will not share how they reached this conclusion with me. 

On XX/XX/XXXX I faxed supporting documentation showing that I was on a business trip to NY on XX/XX/XXXX, nowhere near XXXX Illinois. I also sent my transaction history showing no purchases in XXXX, Illinois other than this fraudulent charge. 

Barclays did nothing with this information. On XX/XX/XXXX, I called Barclays, and they promised to investigate my updated information within 30 days. 

On XX/XX/XXXX I received a letter saying Barclays determined the charge is not fraudulent, again with no explanation, and no option for further discussion on the matter.