davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I added {$160.00} to my bluebird account and it was approved. That same evening I attempted to log in to my account and was unable to. I did attempt several times thinking I may have forgotten my password. I used the link on the log in page to reset my password however I did not receive a link. 
Saturday XX/XX/XXXX I again attempted to log in unsuccessful. I called the customer service number on the back of the card and the automated system said my account had been permanently closed and suspended and hung up without the option to speak with anyone. Immediately I received an email that my account had been permanently closed and suspended due to member agreement 22d which is using the card fraudulent..this is WRONG..I looked up multiple numbers to try to speak to an agent but everyone I spoke to transferred me to the automated system which would not connect me to an agent. 
Sunday XX/XX/XXXX I used my mother 's phone and made up a fake card number and got thru to a customer service rep named XXXX. He looked the account up and said it was locked and closed d/t violation of member agreement 22d..same thing as the email said. I asked to speak to someone who could tell me what was happening and he told me no one was authorized to give me that information. I need to write a letter to the address provided in the email. He would not give me any information and hung up. 
I will be mailing a letter to the address provided in the email.
Consumer complaint received 2019-09-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (UT)

I recently tried recertifying my income based repayment through Navient. I submitted everything required for student loan.gov in XXXX well before the deadline of XX/XX/XXXX. I provided Navient a timely copy of my tax return around the same time. I initially called on XX/XX/19 and was after talking with Navient representatives that they had received my documentation and that a tax return was all that was required. I asked if my application was now renewed but each time they said that it took a few more business days to confirm my documentation. This was consistent with their website as each time Ive submitted it the confirmation message asks for at least 10 days for processing. Navient sent me an email confirming that they had my application on XX/XX/19. 

Navient does not have a method to confirm your income documentation and there is no confirmation method for any of this process on their website. I found this whole process fishy as I never got confirmation that my plan was renewed only that my application was received and I never got confirmation emails when I would resubmit the tax returns. 

Two days before the deadline of my income-based repayment recertification on XX/XX/XXXX I was told via a single email that Navient did not have any documentation and that my income-based repayment was expiring. This occurred just before a weekend and Navient is not contactable during weekends. I was not able to contact navient prior to the deadline two days later. 

The deadline has passed and Navient is now going to remove me from my income based repayment plan, my loans will be capitalizing, and I my payments are going from {$180.00} to around {$1700.00} next month. 

I simply want Navient to have accepted the multiple tax returns that I have sent over the last two months which were well within the deadline and get to stay in my income based repayment plan. This has been a consistent theme in working with Navient as this will be my third time having to submit to the CFPB regarding Navients attempts to keep me from an income based repayment plan.
Consumer complaint received 2019-09-10
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. (MD)

I mailed a certified letter to Equifax requesting an investigation of the inquiry thats on my credit report. The inquiry date was : XX/XX/2018 from Company : XXXX XXXX. I never applied or authorized this company to check my credit. Furthermore, I currently do not have any account with this company. Equifax failed to re-investigate. I also sent a letter to XXXX XXXX requesting for proof of this authorization, yet I received a response.
Consumer complaint received 2019-09-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (PA)

I Opened A Virtual Wallet account on XX/XX/2019 With PNC Bank. I Was Not Giving A New Card And My Old Card Was Deactivted. Messaged PNC Via Online Chat Was Told The Card fee And expidted Card Would Be free. On. Monday XX/XX/2019 I Was charged For both the card fee and Was told they would monitor the account. and they will not .take it off immediately And that the woman XXXX XXXX Would not approve me for the promotion going on for recieving XXXX XXXX XXXX or XXXX dollars after sixty days and think that its very unfair Considering the hassle pnc. has given me regarding opening this new account.
Consumer complaint received 2019-09-09
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: Experian Information Solutions Inc. (MA)

I am writing to dispute XXXX XXXX/XXXX  XXXX on my credit report. The creditor has agreed to delete this account and it is still being reported. Please delete the account.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Experian states the information is verified by XXXX. XXXX states otherwise, they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' If Experian is using unverified public records from XXXX they are violating this act and my right as a consumer. Attached is XXXX report stating they do not contain the information Experian is stating they provided.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

XXXX is reporting my loan account, issued by XXXX, a balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact XXXX did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal XXXX does not take into account credit score when granting loans. It appears XXXX has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at XXXX as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, XXXX services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, XXXX continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what XXXX is doing is legal or not. I request XXXX to close account at this time.
Consumer complaint received 2018-01-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Navient has my loans. My loan payment amount continue to go up by hundreds of dollars and this is really affecting my credit. Can you please help me. I tried talking to Navient and that was no help. Please help me I dont know what else to do
Consumer complaint received 2019-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I am a XXXX XXXX XXXX XXXX veteran that was just affected by Hurricane Dorian under a mandatory evacuation. 

I am trying to save my home from foreclosure and sent in a 75 page loss mitigation workout package After I sent it they said there was a foreclosure sale date for XX/XX/19 and they would not review me because they didn't receive my application until XX/XX/19 just under the 37 day time frame they claim is required before a sale date I sent it by fax on XX/XX/19 but they took 2 days to process it and I should not be penalized for their delay
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My FICO scores for the last 3 months have substantially declined, for instance : XXXX : XX/XX/XXXX FICO XXXX ; XX/XX/XXXX FICO XXXX ( -90 pts ) Transunion : XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ( XXXX42 pts ) 1. XXXX  reported that I had " Serious Delinquencies '' : I have no delinquencies. 
2. XXXX  said that I had " Too many missed payments '' .In the past 5 years, 1 payment was incorrectly reported as 30 days late. ( But the payment had actually been paid and was not filed due to the creditor 's computer error. ) 3. My Annual Credit Report showed my accounts since XXXX with green check-marks monthly ( paid in full ). What serious delinquencies? 
4. FYI : 5 of my credit accounts substantially increased my credit limits based on my history of regular payments. ( I did not request any credit limit increases ) 5. I respectfully request that the credit reporting companies re-examine my credit reports. Tell me specifically what are the negative accounts and I will get the information corrected. 
Thank you.
Consumer complaint received 2019-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (LA)

I went to an urgent care to get my back checked out. The place happily took my {$50.00} copay and saw me for 2 whole minutes. I was told there was nothing the doctor could do for me and sent me along my way. Then they repetitively called me telling me I owed money when they didn't provide a service to me as an urgent care.
Consumer complaint received 2019-09-09
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. (SC)

SECOND REQUEST I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Consumer complaint received 2019-09-10
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. (TX)

TransUnion has TWO entries ( of type 'Line of Credit ' ) for a single account Name : XXXX XXXX XXXX XXXX Line of Credit - One entry shows - Wrong account # : - An old balance from 7 months ago - No payment updates since 7 mos ago - Other entry shows more recent balance - Accurate account # - Relatively recent balance - Payment dates START 7 mos ago ( see a correlation? )
Consumer complaint received 2019-09-10
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. (UT)

XXXX # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avantus, LLC (TX)

Advantus llc inquired 2 different occasions. I have never inquired with this company. 
One date is XX/XX/2018. I did not apply with this company. Another date is XX/XX/2018. I did not apply with this company.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-09
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. (IL)

XXXX XXXX XXXX continues to show up on my Trans Union credit report. i don't know what this company is. i need it to be deleted from my credit report now please. This is my second attempt to get this removed.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Over the last few years I have contacted Capital One regarding 2 credit card I have with them that carry an annual fee. When I initially opened the cards I was working on improving my credit score and had no other options. It has been quite some time since then and I have continually asked my accounts be reviewed and the annual fee removed since they offer these cards with no fees. Each year I have to fight with them to remove the fee, yet they conveniently forget to remove the annual fee, so each year I am charged for it. This is honestly ridiculous. I have kept the accounts open since they have my longest credit history and closing them would ruin my average age. I would appreciate a serious inquiry into this as I should not have to keep calling every year to have the fees removed.
Consumer complaint received 2019-09-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP (NM)

The lease that I got when I originally leased the car said that I would be able to buy the car at the end of the lease. When I turned the car back in at the end of the lease the salesman would not talk to me about buying the car that I was returning. He would only talk to me about other cars that were a grade below the car I was returning and cars that I did not want. He just completely blew me off. Then when I came back a second time he was helping other people and I was just left to sit and wait for half an hour. He didnt return my email. They were basically just blowing me off. Now they want me to pay this huge mileage fee. They just wanted to be able to make me pay the mileage fee and buy another car and start over. Its not right.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MI)

This complaint is against US bank my credit card, the number is XXXX XXXX XXXX XXXX, which was paid in full XX/XX/2019 before the due date. I called the company and asked for a payoff balance which they gave me as being {$2300.00} gvien the fact that I had asked for a payoff balance earlier and the above amount was given. When the atatement came out it showed me still owing {$18.00}, which I feel that I do not owe because when you pay the balance that XXXX out the account. What I was told that the cash advance interest had not be charged as the time of the pay off, which to me is usary or fraud, what ever the case I shouldn't have to pay that money and not to mention the other charges the representative informed me that is forthcoming. This isn't the first time I have had an issue with US bank regarding the interest on my outstanding balance. What they do is charge a standare interest and then a daily APR which is two interest fees being charged to the customer. 
I have attached two bank statements explaining my situation and their fee charges practices that needs to be corrected and disallowed.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently discovered that my ex husband, XXXX XXXX XXXX, has had an extensive, documented history of credit card and identify fraud. After requesting a copy of my credit report via TransUnion, I learned that I am one of his most recent victims. 

Although my actual birth date is XX/XX/XXXX, the report lists XX/XX/XXXX. I have been employed by XXXX   XXXX XXXX Hospital since XXXX, however the credit report lists my occupation as a XXXX XXXX at XXXX XXXX in XXXX  XXXX, TX -- -one of XXXX XXXX most recent places of employment. 

XXXX 's credit history is quite arguably one of the worst ever known. I recently obtained information that his driving record was suspended in XXXX until the year XXXX. By utilizing false documents and credit information, he recently obtained a XXXX.
Consumer complaint received 2019-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I bought an XXXX through payment plan, loan amount : {$1300.00}, Monthly payment : {$52.00}, in XXXX  store @ XXXX XXXX mall in XXXX XXXX, Texas back in XXXX. 

Only after I started making payments. I learnt it's a loan from Citizens One bank. 
I have never received any statements in letter nor electronically since then. I called them this morning. They declined to send statements in form of physical letters because of they are " paperless '' company. They declined to issue me statements in form of PDF files either. All I have it's their web page.
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

Since XX/XX/year>, I have been in contact with Experian to correct a significant error in my credit report related to the lack of an address appearing on my report. Due to this issue, furnishers are unable to access my credit information, causing me numerous financial difficulties. 
Impact : I applied for a job at XXXX XXXX XXXXXXXX and XXXXXXXX XXXX, but both employers were unable to view my credit information due to this error. 
I have attempted to apply for loans from various institutions, but all of my applications have been denied for the same reason. 
Despite repeated efforts to have Experian correct my credit report, they have not taken any action to resolve this matter. This has negatively impacted my ability to secure employment and credit, leading to significant financial hardship.
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. (MI)

I received emails from a company called " Moneylion ''. And they state that I have a new debit/pre pay card opened in my name and that I'll be receiving a physical card in the mail. I did not sign up for any such account and this appears to be a miss use of personal information for fraud purposes to try and collect fee 's from the unsuspecting account holder.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In XXXX Trans Union Removed XXXX XXXX from my credit score and will not give me an explanation why. XXXX Trans Union removed XXXX XXXX  from my credit score and will not give me an explanation why. This happens regular with Trans Union.