davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-30
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. (GA)

at first I got sick and was unable to work, so I ask forgiven of the loan, and I did sign up for the forgiveness program and was accepted, gave this person all my information, even made payments to get the loan forgiven, now I still have the loan, they took my money and I have n't heard from them I paid {$280.00} for three months that was the agreement, and I would get my loan forgiven, they owe me {$860.00} I need them to correct this information and/or refund me my money. I have the records to show you the name of the company, and funds taken out of my bank account. I want to know if this was a fraud/hacker on my computer. please help because all my information is on this computer such as my SSI number, bank information, birthday date etc. please help. thank you
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

my previous complaint with c.f.p.b XXXX  against national credit systems responded to your department that they would delete this collection from all credit bureaus, and they have, however they are still reporting the same collection with a different account number to all credit bureaus which is XXXX (XXXX XXXX}.they need to remove the same disputed collection from all credit bureaus with this account number XXXX. they also must inform your department that this account number will also be deleted since its the same fraudulent collection as before falsely reported.
Consumer complaint received 2018-01-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I was made aware that there was an XXXX XXXX XXXX placed by USAA. I started the process on XXXX XXXX by contacting them to begin disputing this alert and the reason for it 's existence. 
I finally spoke to a supervisor XXXX XXXX XXXX on XXXX XXXX XXXX explained the problem and requested my need for help and the information to resolve this matter. 
On XXXX XXXX XXXX, I received a call from a young man named XXXX. He explained that there were accounts opened and fraud was perpetuated with a checking and saving opened with my identity. The amount was approximately {$5100.00}. We had a very in depth conversation regarding the matter. I told him it was not me. They may have felt by their guidelines that secure procedures were followed. I told him that true due diligence on their half to protect their interests and mine were not sufficiently followed. This requiring a direct phone of verification that I was the actual applicant involving these high risk amounts for an online process. 
He agreed with my adamant position on the matter and went so far as to admit that I was not the perpetrator of the fraud. He repeatedly apologized and offered no final resolution.
Consumer complaint received 2017-09-30
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: WELLS FARGO & COMPANY (NE)

On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. 
The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I enrolled in TrusteID after my name and SSN were those in the list of the people who information Equifax managed to lose to hackers. I enrolled in TrustedID program, and received an alert. I logged into my account but there is no proper information on the TrustedID website. It is totally horrendous, useless website that tells you nothing about the credit monitoring or the nature of the alert or which account was impacted. When I called the customer service of TrustedID set up by EquiFax, I was on hold for XXXX minutes and still not able to talk to a representative. How many agents are really there to help the customers. EquiFax is totally callous in its attitude, not providing proper information about credit alerts, and TrustedID service is worthless at best. EquiFax, time and again displayed total lack of moral and ethical values, and totally careless in its response or support aftermath. Federal government must revoke any license for EquiFax to be in business and close the shop. It lost its right to be a credit reporting bureau. We have three bureaus and if you ca n't keep up the trust and safeguard customers, you lose the right to do business. I am totally appalled by Equifax continued lack of appropriate response after losing my information to hackers and not doing enough to protect me.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX XXXX Made {$500.00} payment @ atm machine ( money order # XXXX ) XXXX XXXX XXXX Got a letter that has been returned ( XXXX XXXX money order company never returned the check and money order cant be bounced ) XXXX XXXX XXXX Made a {$500.00} payment from my checking account to my credit card to cover the returned money order ) XXXX XXXX Got a letter from BOA that {$500.00} credited to my account but i dont see.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IN)

I made a purchase from an online company for {$100.00} and never received a receipt. I tried to call the company and the phone number was no good. I tried to contact them by email but it came back as undeliverable. I contacted Cash App, who I'd made the payment through ) and my dispute was denied. Cash App didn't provide an explanation as to why it was denied. For weeks I've been dealing with their customer service support department and have only gotten the run around. I've called their support phone number and again, haven't gotten any assistance and can't get any answers. I've provided Cash App with documentation that the company that I tried to make a purchase from has been reported as a scam. I want my money returned and once that happens I want to close my Cash App account and will never do business with them again.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (FL)

protected class member XXXX of XXXX, XXXX veteran total and permament since XX/XX/XXXX. 

constant harassment, discrimination from Navy Federal for years, but this past year has been the worst, especially given my health has declined so muchXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   living in hotels as navy federal continues to deny me home loans, shut off my credit cards, make it as difficult as possible for me just to focus on my health. 

informed them around XX/XX/XXXX when I was forced to vacate my home due to harassment and this bank amongst their peers, XXXX and so many others and their XXXX parties continue to harassm me. 

I have and is in the process of removing all my contact information and/or ending the emails, phone services as I have received over XXXX harassing calls/text/emails and all these companies have employees seems like they need to speak with each other and access all the logs and STOP STOP STOP harassing me. 

I WILL UNDER NO CIRCUMSTANCE BE FORCED TO SPEAK WITH ANY COMPANY IN THE XXXX THAT I DO NOT WANT TO. 
YOU CAN'T FORCE ME AS THAT IS EQUILALENT TO XXXX THE FACT THAT I HAVE HAD TO KEEP BEING IN PAIN PHYSICAL AND MENTAL TO KEEP SENDING THESE REQUEST PROVES THAT THE ONLY WAY FOR ME NOT TO GET HARASSED IN THIS COUNTRY IS TO REMOVE ALL EMAILS AND PHONE NUMBERS FROM XXXX BASED COMPANIES SITE. 

WHEN MY POA ARE UPDATED THEY WILL REACH OUT AND WILL PROVIDE THE ATTORNEY FOR ALL THESE US HARASSING COMPANIES TO SPEAK TO I AM FOCUSING ON MY HEALTH NO MEANS NO!!!! STOP TRYING TO XXXX XXXX ME, EMAIL XXXX ME, SOCIALLY XXXX ME, TEXT XXXX ME STOP TRYING TO FORCE YOURSELF ONTO ME. 
STOP TRYING TO KILL ME SO THAT YOU CAN FIX YOUR ISSUES CIVIL RIGHTS ACT 1964, EEO, FAIR HOUSING, DODD FRANK, FAIR CREDIT, ADA PRIVACY ACT 1974, JUST A FEW OFF THE TOP OF MY HEAD. 
FORMER XXXX XXXX HIGH RISK XXXX FOR XXXX  XXXX XXXX, AUDITS ONLY BY THE REQUEST OF CEO XXXX XXXX. 
CONDUCTED OVER XXXX SECURITY ASSESSMENT FOR XXXX XXXX, I UNDERSTAND LAWS, RULES AND REGULATIONS ONLY WISH THAT THIS BANK DID AS WELL. 
JUST A FEW OF MY ACCOMPLISHMENTS WHILE STRUGGLING WITH THE SAME XXXX FOR OVER 23 YEARS XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, Beta Chapter, XXXX XXXX XXXX XXXX, XXXX, XXXX Licensed real estate agent XXXX states, XXXX states in progress 23 years cyber security government and financial sector XXXX XXXX veteran XXXX Honorable XXXX Let 's not forget XXXX Let 's not forget, XXXX definitely forget ALL OF OUR SACRIFICES the lip service is BLASPHEMY In pursuit of my Master of Divinity and Juris XXXX
Consumer complaint received 2023-01-18
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: U.S. BANCORP (LA)

On or around XX/XX/XXXX, a potential lender checking my credit discovered a delinquent credit card debt with US Bank listed on my credit report. On XX/XX/XXXX, I reviewed my XXXX credit report in detail and found the credit card debt in the amount of {$3900.00} opened on XX/XX/XXXX in my name and was closed as a charge off after a couple of payments were made and then stopped. The status was updated in XXXX, XXXX. I'm not sure if this represents the date it was closed as a bad debt, charge off. I do not now nor have I ever had a credit card account with the US Bank. Therefore, I filed a dispute with XXXX. I was directed to a phone number to speak with a representative which was someone at XXXX. She asked if I had spoken with the creditor. I told her not as of yet as I thought the number I was calling was the creditor. I was told to file a report with the FTC and provide them with a copy. She asked if I wanted her to place a lock on my credit file and I told her yes. She said this would stop anyone from opening credit in my name unless they verified that with me first. This was to last only for 1 year. She asked that I upload a copy of the FTC report to their website if one is filed. 

I attempted to contact a bank representative on XX/XX/XXXX by calling XXXX to determine how this account was opened in my name and to get it cleared from my credit report since it is not mine, but after being transferred a couple of times by XXXX XXXX and XXXX XXXX, the third person I spoke with XXXX XXXX told me she could not do anything that day and told me to call back on Monday XX/XX/XXXX which I did but the bank was closed for the XXXX XXXX. I attempted another call this morning, XX/XX/XXXX to XXXX and was told by an unnamed employee that I needed to speak with a XXXX XXXX as she was the agent handling the case and her telephone number is XXXX. Unfortunately, she is out of the office until XX/XX/XXXX so I left a message on her voice mail for a return call. I have not had success thus far in speaking with anyone and since they do have my SSN I don't have any confidence that they will agree with me that I am not the person who incurred the debt with them. I'm simply tired of the run around. Therefore, I proceeded to file my complaint with the FTC and I was rerouted to your website as the agency that handles this type of complaint. Can you assist me with getting this cleared up and removed from my credit report please. 

Note : An initial fraud alert has been placed on my XXXX Credit Report until XX/XX/XXXX. They forwarded the alert to the other 2 credit bureaus, XXXX and XXXX.
Consumer complaint received 2023-01-18
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. (TN)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of 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 2024-10-10
Product: 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 (TX)

I received a {$50.00} American Express gift card as a gift XX/XX/year>. Nowhere will accept the card. I called the company and each time they read me a scripted response and hung up. I have tried over a dozen transactions and I was directed here to file a complaint. I was in the process of writing this complaint and I checked the balance through https : //balance.amexgiftcard.com/ as the card instructs. No recent transactions are listed yet on the site.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act Capital One Auto Finance had violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I called XXXX to file a dispute for multiple hard inquiries placed in my report without my consent. The agent told me that I am not allowed to dispute inquiries even if they are incorrect. These multiple inquiries were made without my consent by me applying for a mortgage online the companies have sent my information to multiple lenders that have pulled my credit report without my knowledge. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

HELLO THANK YOU MY PROBLEM IS FOR THE PAST 4 MONTHS IM NOT EXAGGERATING EVERY SINGLE WEEK I HAVE TO SPEND TIME ON THE PHONE CALLING ALL THE CREDIT REPORTING AGENCY BECAUSE A FRAUD ALERT GETS DDED ON MY REPORT YES NOT DELETED BUT ADDED IT IS HINDERING ME FROM APPLYING FOR CREDIT I HAVE CONTACTED ALL 3 AGENCIES AT THE SAME TIME AS IM AWARE THAT ONE COMPANY IDENTIFIES AND COMMUNICATE WITH EACH OTHER RE FRAUD ALERT HOWEVER IN THIS CASE THEY ARE PLAYING THE BLAME GAME TRANSUNION BLAMES XXXX XXXX BLAMES XXXX AND XXXX BLAMES TRANSUNION ITS NEVER ENDING IT GETS REMOVED FOR LIKE 4 DAYS ONLY TO BE PLACED BACK ON THE REPORT AGAIN SO WHAT HAPPENS IS IF I TRY TO APPLY SOMEWHERE THEY AUTOMATICALLY DENY MY BECAUSE THERE IS A FRAUD ALERT ON MY REPORT I KNOW ITS MY RIGHT TO HAVE AN E=ALERT PLACED ON MY FILE HOWEVER THERE IS AN APARTMENT BUILDING THAT THERE POLICY IS NOT TO ACCEPT ANY ONE THAT HAS A NY KIND OF ALERT ON THERE FILE THEY JUST DO N'T WANT TO GO THRU THE PROCESS OF THAT SO THERE FOR I WANT FRAUD ALERT PERMANENTLY REMOVED AND THE ONLY WAY OR REASON THEY SHOULD PUT IT ON IS IF IT IS PLACED ON THERE FROM ME ONCE THEY HAVE IDENTIFIED ME AND NO ONE ELSE
Consumer complaint received 2018-01-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After my graduation, I was notified by XXXX XXXX XXXX for student loans. However, as XXXX takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (WA)

In the fall of 2015 I ended four years of service with XXXX XXXX XXXX. I paid my bill on time for 4 1/2 years. I left because XXXX XXXX XXXX tried to sneak additional charged services in without notification beyond items hidden in the fine print. 

I ended my account in XXXX of that year, paid my past due and moved the number to XXXX. Then in XXXX I was charged for a full additional month of service not received. I protested and eventually had verbal confirmation that the charge would be forgiven. Now they have resent it to collection. The matter is only over the amount of {$81.00} which was charged for services never received. 

This is terrible business practice and very dishonest. I seek XXXX XXXX XXXX to remove the fraudulent bill and fix any negative impacts to my credit.
Consumer complaint received 2018-01-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (AL)

My house was sold in a foreclosure sale, while I was trying to work out a Workable Solution with CitiMortgage. I contacted with the foreclosure team a CitiMortgage, I had several Homeowner Specialists every time I sent in some paper work. I would have to explain my situation and hardship all over again. My mortgage fell behind when I was injured on the job, forced to resigned from my position by my employer. I had been waiting on Justice, praying everyday that my case would be solved before I went into foreclosure. I filled out an application, CitiMortgage sent me the wrong application, they were fully aware I would not qualify for a HARP loan. I was trying to get some homeowner assistance, that would give me short term help. I receive a letter from CitiMortgage stating I had to get my paperwork to them by XXXX XXXX. XXXX, I faxed the information back to them, on XXXX XXXX, XXXX there was a XXXX XXXX letter on my porch, inside it read, I had been denied, along with other reading that did not apply to me. I will fax all information to your office. 
I contacted XXXX XXXX, a company Director, because I was confused as to what was going on, Later another Homeowner Specialist contacted me, but, they kept playing phone tag. Every time I would call they could not take my call, they state that they would call me back, I would have to call them back or they would not have the information needed. The homeowner Specialists did not try to help or give me options to keep my house. I have been in this house for seventeen years and I am XXXX years old, I do n't know how pack up my stuff and look for somewhere to go. I am just sitting on edge now.