davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

Hello. I am recent graduate who only started working in XX/XX/XXXX. I have {$29000.00} of Federal loan under my name and about {$160000.00} of parent loans my mother is responsible for. My mother is ill and recently stopped working and my father 's income is not high as well. I submitted a consolidation request twice for both me and my mother, the request for my mother went through but it did not go through for me. I also applied twice for a income based repayment plan. However both times the request did not go through and I received no updates. Whenever I called Navient while waiting for the requests to go through all the agents said it was in process and did not provide me with further information. They could not even inform me how much I had to pay per month. I also requested a grace period twice for my mother but both times it did not go through ... I want to start paying the amount we can afford as soon as possible properly so we do not accrue further interest, however navient has not been clear and just said things like " do not worry, the consolidation and income based repayment plan will take some weeks to go through but you can just request a grace period and pay later. '' I have been very stressed about this.. and I can not trust any of the Navient representatives anymore..
Consumer complaint received 2017-02-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ALLY FINANCIAL INC. (PA)

I deposited a check for {$1400.00} into my account on XX/XX/XXXX. Due to my account going negative back in XX/XX/XXXX they are placing a 5 day hold on any check deposited into my account until XX/XX/XXXX. When I paid my mortgage, the funds were not to pull from my account until XX/XX/XXXX, however due to a typo, the funds withdrew on XX/XX/XXXX causing my account to go negative again. By Ally having the additional hold on the check that I deposited, it is causing me an additional hardship and exra fees.
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX -- -- UNAUTHORIZED INQUIRY 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC. (GA)

After reviewing my credit report, I 've notice that I hand a credit inquiry from sterling jeweler. In XX/XX/2016, I sent a letter to Sterling Jeweler requesting that they investigate the inquiry and advised them that it was I that had made the attempt to get a account with their company. I received a letter back from XXXX from customer care department in reference to my letter ( RE : XXXX ) stating that on XX/XX/2016 it was attempt to receive credit online and that by signing the credit application I authorized the inquiry. Again after disputing this item, continually asking for more proof that it was in fact I that made that request, I received nothing. No proof, just a representative telling me I did. I 'm very shocked how in this day of time, how can a company not show proof that someone is utlizing someone else 's identify to obtain a account especially being that this is over a computer where anyone can claim they are that person. Identify theft thru a computer system is very known and used by hackers or anyone trying to obtain something in someone 's name. Also I would like proof of my signature on the application because I guarantee it is n't not mine or something I authorized.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KY)

After graduating from my for-profit school XXXX I found it hard to find a job. I called my loan provider XXXX now Navient, and they told me to get a forbearance. I ask them if there was any other ways to help with my loan and I was told no. They told me that I would not have to pay on my loan but interest would still grow. This went on until XXXX and I found out about income base repayment plans. I have been enrolled in that since XXXX. In XXXX I ask about low forgiveness since I work for the XXXX. They told me my loans did not qualify and I would need to re-conciliate my loans and that my prior year payments did not count towards the 10 year forgiveness. I wish they would of let me about income base repayment plan in XXXX and less interest would have grown.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Attached you will find letters I have written to XXXX XXXX home mortgage. They sent me information back stating it 's not mine which is my point exactly. It belong to my ex husband who passed away. How can they report it on my credit?
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent XXXX And TransUnion multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am a XXXX year old widow. I had to do a hardship bankruptcy in 2011 because I could not keep up with payments after my husband 's death. The credit reports say that I had a serious delinquency and or collections. I have NEVER been late with any payments even through the bankruptcy. I did n't want to do the bankruptcy and did everything I could to avoid it. What can I do to correct the serious delinquency charges on my credit reports?
Consumer complaint received 2016-09-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (NV)

I found out my vehicle was up for repo while trying to make a payment and called to take care of it. I made arrangements with a supervisor in the collections department and we came to an agreement on how to take care of the balance. He explained that the payment must be made via XXXX XXXX or XXXX, but I was at work so could not go to a location, which I explained to him. He then told me that there was a way to send it via money gram through the internet, so I told him that I could get access to a computer at work and I would send it by XXXX in my time zone at the latest. He told me that was ok and said to just call his direct line the next morning with the details of the payment. They repossessed the vehicle anyway at approximately XXXX, even after the arrangements were set. Instead of admitting fault, they wanted more money. As if as soon as they found out I was able to pay they figured they would take it and try to get more money out of me. Once I learned the car was taken I called the same supervisor since he provided me his direct number and said that the arrangements we made were no good. When I asked him why they would come take it even after we made arrangements and after he knew that i was sending the payment that night. He told me EVERYONE says they 're going to send their payment, as if I never planned to send the payment. The thing is, the whole reason I found out that it was put in to repo status was because I was trying to pay a payment, which I made very clear to multiple people that I spoke with.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted copies of the police report, FTC Fraud affidavit, statements, letters, etc. numerous times. I have made numerous attempts to contact these agencies, creditors, companies in reference to accounts that were opened in my name, credit inquiries in my name, apartment that was leased and broken in my name and have not gotten any closure. I am unsure of what else this credit reporting agency is wanting from me and as I have sent copies of my driver 's license, social security card, copy of my old apartment lease, copy of bills, etc. along with the other items and have even asked them to update my telephone number on my report as I have not had the number listed over 10 years. My number is XXXX. This has been ongoing for many months and I am at this time upset with the last 2 envelopes that I have received. I have attempted to notify all creditors, dealerships, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, etc and have had no success. Yet the credit reporting agencies, all except XXXX, XXXX.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NH)

my loan through Navient was cancelled I even have the tax paper to prove it and now they say they denied it. How can they do that. I am on XXXX and can not repay. I think they are harming me by putting this on my credit report and I do n't believe I owe any longer since they let me cancel it. This company is bogus. I would not recommend them to anyone. What can I do.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

This account was satisfied with the creditor XXXX XXXX XXXX ) the collection agency was XXXX XXXX XXXX, it was deleted back in XXXX of the current year. I am in the process of buying a house and I come to find out that the account shows up on my Experian report not only did my score go down, my interest rate being offered is higher and I can not buy my house until I get this issue resolved. I need this account deleted ASAP. I am submitting proof of deletion from other bureau.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit report of my child support status amounts are inaccurate and very unfair to be reported on my credit reports as being unpaid or late payments. I am XXXX and have been so since XXXX XXXX, XXXX according to Social Security standards, my daughter was receiving payments from my XXXX from XXXX of XXXX until she turned XXXX in XXXX. In XXXX of XXXX I was told by a judge to have her placed on my benefits and was done as informed. However, I have noticed that on my credit report there has been a constant report of erroneous information basically identifying me as a XXXX. I believe this to be an unfair credit report and extremely hurtful to me on behalf of my credit. Today I have noticed that this error is still reporting on my credit report and I am asking for this matter to be corrected and a stop be put to this unfair credit practice as described by the equal and fair credit reporting agency. Thank You, Sincerely.
Consumer complaint received 2018-10-08
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX there was data breach involving my Stein Mart XXXX XXXX   card. I called the fraud department right away and disputed the charges that were not from Stein Mart since I never used the card for any other vendors. I canceled the card right away ( XXXX XXXX XXXX XXXX ) Some of the charges came from other stores and they were taken off my account right away. But two of the charges involved companies that mailed items to my home address. I called the two latter companies and they refused to deal with me, stating that I had ordered the items and that I could not return them unless I paid for the shipping. I was told to refute the charges through Synchrony which I did. I learned through an Internet search that I was the victim of a scam : data is stolen, items are bought in stores, and items are bought online and delivered to home address and then stolen from the front door or a bogus XXXX envelope left for returns. 

When I first received my XXXX bill from Synchrony, I paid the {$38.00} for a Stein Mart charge ( which was my purchase ), but did not pay the {$210.00} for an XXXX Online purchase made on XX/XX/XXXX and the {$110.00} for an XXXX XXXX purchase. ( Total disputed : {$320.00} ) I also received a form from Synchrony 's Fraud Solutions Department that I filled out and returned to them. 

My XXXX bill showed credit for each of these disputed charges and a balance of {$0.00}. I thought the problem was resolved. 

In XXXX, the bill for {$320.00} returned on my statement and since that time, fines have been added. I have contacted Synchrony twice more trying to resolve this. I received two form letters denying my fraud claim because " Merchandise was shipped to customer 's verified address. '' Now Synchrony has been calling me up to three times a day. I have explained over and over that I dispute the charges and was the victim of a data breach. The phone calls continue but the issue is not resolved. I have excellent credit and don't want this to hurt that.

Can you help? Thank you.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-11-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NV)

I purchased my vehicle XX/XX/2012 first payment started XX/XX/2012 for a 72 month car loan through Santander at 21.25 % interest .Although some of my payments were late I have been able to maintain making payments never had a repossession, Ive made 49 payments of {$620.00} up to this date. 
This car has been reliable until recently Ive had to put over XXXX in car repairs over last 2 momths and was told I need to get rid of it by the mechanic because its going to be too much to fix now I had to get a waiver from the DMV in order to register the car becsuse it fa iled smog .twice even after the necessary repairs were done. The mechanic which fixed my car XXXX XXXX on XXXX XXXX XXXX. XXXX XXXX Nevada says it would cost close to XXXX for Timming chain and once they take the engine apart its no tellingwhat else theyll find and it could cost me more money. 
Ive been tryingto get a reliabe vehicle and trade thecsr in but no auto dealer want to take negative equity anf apply to a different car. 
Santander is reporting incorrectly my paymemts and not applying payments to my account according to agreement. Santander has alsobeen addeing extra amount to increase my balance during the loan without my knowledge. 
Ive had some difficult times over the life of this loan due to unemployment last year, and prior personal difficulties and needed extnesions on payment. The customer service representstive for Santander gave me misleading information when getting my extensions I was under the impression The 4 extended payments would just be put on the back of loan which would make me have 4 additional months to pay or I could pay extra before the end of loan period to complete the payments. 
I want my account totally audited all of my payments to make sure account is being managed correctly and for my correct balance to be reported correctly on my credit reports. 
This isnt only affecting me and my credit but its also affecting my daughter since she was my co-signer for this vehicle at that time. 
She also purchase her vehicle at thst same time we thought we were getting a deal. 
Santsnder has sold or transferred her loanto another finance company she is also making payments since XX/XX/2012 and feels she is getting ripped off shes saddened and regret cosigning although she was happy to help atthat time. 
please help to resolve this issue. 






my car is only appraising at XXXX now which was done by XXXX. Santander is reporting that I owe over XXXX. 
currently. My credit reports have XXXX different amounts that I 'm supposed to owe Santander.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (FL)

My name XXXX XXXX, I've been XXXX from the US Military since XXXX. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, one item on my credit profile is a credit card from Navy Federal credit Union. 

I never applied for a card from this credit Union. If you look at my credit profile I have live only in one state after I XXXX from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida. 

My credit have been used fraudulently and I am asking for this credit card to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

{$3900.00} Balance Open XX/XX/XXXX Closed
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FILE NUMBERXXXX REPORT DATEXXXX NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; +XXXX # XXXX this a fraudulent account listed on my credit file XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1700.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1700.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : & gt ; {$1700.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed several times before complaints against " XXXX '', " TransUnion '', " XXXX '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " TransUnion '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XX/XX/XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???