davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have been trying for the past 7 days to initiate a freeze on my credit report online at Equifax. I was able to quickly and without problems perform the same operation online with XXXX and XXXX. I do not wish to attempt a freeze with Equifax via telephone, as I am concerned about security. For 7 days I have experienced various unavailability of pages, and inabilities to complete the process online with Equifax. I believe this is either intentional, or gross incompetence. Either way, I believe Equifax should be forced to take their service offline. They do not deserve the trust of the American public.
Consumer complaint received 2021-02-15
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 (CA)

OnXX/XX/2019 my bill did not go through BANK OF AMERICA - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

My XXXX loan was consolidated with out my knowledge and are now being serviced with XXXX XXXX. I was told my loan would be forgiven due to being a government employee and my income and went a year with no payment. A year later I received information that my loan payment would be XXXX monthly. I have contacted XXXX XXXX regarding my loan and have been told there is nothing they can do to help me. I have made payment to them to keep them from reporting negatively to credit! I was not told that according to my tax documents I had XXXX dependents and then when they reviewed my loan it was discovered I only had XXXX dependent. I have NEVER reported the the IRS I had XXXX dependents. XXXX XXXX has not provided me with any proof that I gave them or anyone else permission to consolidate by loans through them ... ...
Consumer complaint received 2018-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I had my student loans through Navient ( formerly Sallie Mae ) prior to XX/XX/XXXX when the PSLF started and I also started my job in public service. During that time I had several conversations with Sallie Mae staff confirming my status in the PSLF program. Each time Sallie Mae informed me that my loans were eligible for the PSLF program and there was nothing needed on my part. In late XX/XX/XXXX I called Sallie Mae for another reason and again asked about the PSLF program. At that time I was informed my loans were not eligible. I had lost out on several years of payments toward loan forgiveness due to the incorrect information provided by Sallie Mae. On XX/XX/XXXX I called Navient to request the notes on my account for supporting documentation and was told they do not provide call notes to their consumers.
Consumer complaint received 2018-05-11
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)

I paid the settlement offer on this account on XX/XX/2018. They will not close the account or updated the XXXX balance to the account.
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On XXXX reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on Equifax reporting charge off last pay XX/XX/2013 and on XXXX reporting account transferred to another office and last payment XX/XX/2013.
Consumer complaint received 2018-07-01
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. (KY)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Consumer complaint received 2018-07-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Good afternoon the dispute I have about my mortgage company Mr. Cooper is I have deposited hundreds of dollars into my escrow account and every deposit with the exception of {$64.00} in XX/XX/XXXX has been applied to the principle of the loan. When calling the company 's employees keep going on about the company does not determine the escrow amount it is set by county taxes and insurance rates. I am well aware of the purpose of escrow. I just want the money I earmark for escrow to be applied to escrow not loan principal. Unfortunately I can not present any written communication with Mr. Cooper but the company does not provide customer service option of email. Every correspondence via phone.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Lexington Consumer Advocacy, LLC (IL)

I started I was looking for rent to own then the rent to own send me to lexington law to look at my credit was XXXX then was paying them start at XXXX. Then XXXX some were about there then it XXXX. Monthly but nothing was done I have been with the company to fix my credit about a year I am not happy they couldn't tell me what my score was for year when see some was not right with this company I file compliments with XXXX I was paying them to fix my credit an nothing was done I need my refund back
Consumer complaint received 2018-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit card is a XXXX from XXXX XXXX. It has {$13000.00} limit. It is not my card. It is my husbands card. XXXX asked my husband if he would like to give his wife a card. I didn't want the card. Never activated the card. The card was for my husband to transfer higher balances from other cards. XXXX took the card off my account but the credit reporter would not. I think XXXX XXXX  took it off but XXXX would not. That is were the problem is. I have excellent credit and would like the score to be higher but it won't because of this card that is not mine. The two credit Companies have different scores. They should be the same and higher. Can you tell me why my credit score is not at the very top of the chart? It is almost there. Thank you.
Consumer complaint received 2018-05-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

XXXXI did not exhaust 36 months of forbearance on earlier loans. I was unemployed for a period of time, and should have been in a deferment status. I also endured low wages for a number of years, and should have also been in a deferred status, not forbearance. If Navient placed me in forbearance during those years, that would be an unethical act. According to my knowledge, Navient is being sued in court for this very practice.
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

In response to a previous complaint where PRA has been dishonest and stated they did not receive notification from me about the two accounts they claim they bought from. I sent PRA a letter CERTIFIED MAIL on XX/XX/XXXX and it was signed for by PRA on XX/XX/XXXX @ XXXX XXXX. So they claim they are making is utterly FALSE and I have been disputing this fraudulent account. 



In response to your complaint, Portfolio Recovery Associates, LLC ( PRA ) investigated and verified the PRA accounts ending in XXXX and XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. PRA purchased the XXXX XXXX XXXX ( XXXX ), XXXX. ( XXXX XXXX ) XXXX  credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXXXXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$400.00} was due on the account at the time of PRA 's purchase. PRA also purchased the XXXX XXXX XXXX   credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$360.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letters to you on or about XX/XX/XXXX. PRA has no record of a response or a dispute being received in relation to its initial notification letters. PRA received and responded to several disputes, which we received from you and consumer reporting agencies. In response to your disputes, PRA previously sent you the attached letters containing validation.
Consumer complaint received 2018-05-09
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: EQUIFAX, INC. (TX)

I have requested for a company to be investigated for incorrect reporting into my credit files. My request were submitted multiple times for the past six months. I have requested for the creditor to be required to submit a CONTRACT that obligated me to a claimed debt. The company has only supplied a bill in which is NOT a form of validating a debt. I have requested a signed contract with my name and social security number to be attached with my signature. Documents has not been supplied by the creditor to myself or to the reporting credit agencies. 
XXXX  and Equifax credit agency has continued to report derogatory information without thoroughly investigating the alleged debt. 

My request is that XXXX  Credit agency as well as Equifax comply with the FCRA section 616 and supply me with their method of verification from original dispute. 

RE : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT ; {$3500.00} ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX PHONE NUMBER : XXXX
Consumer complaint received 2018-05-09
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. (GA)

I have several issues with the TRANSUNION credit reporting agency. I have contacted them on several occasions regarding these issues. I have requested documents that show my signature on these accounts on three occasions and they refuse to produce any from the creditors.

XXXX XXXX XXXX accounts # XXXX, # XXXX These two accounts have exceeded the statue of limitations for the state of Georgia and they refuse to delete them. The accounts are closed and paid in full. XXXX XXXX XXXX  # XXXX  ( XXXX XXXX XXXX ). They refuse to produce any documents with my signature on them for this account. The account is now seven years old and they keep updating the date ti record it. XXXX XXXX XXXX # XXXX same issue as XXXX XXXX XXXX.

These four accounts should be deleted from my file.
Consumer complaint received 2018-05-09
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: Experian Information Solutions Inc. (CA)

I have tried for the last 2 year to access my Experian credit report. I have been refused access to my report from Experian and when I have contacted Experian directly via phone they advise that I must sign up for services to be able to access my annual report. When I have tried to pull my report both directly from Experian.com and XXXX. On XX/XX/2018 when I called after having the agent first response your issue is due to " YOU DO NOT HAVE ACTIVE SERVICES. IN ORDER TO FIX THIS WE NEED TO SIGN YOU UP FOR SERVICES. '' When I requested to be transfer to the agent manager he disconnected the phone call.
Consumer complaint received 2018-04-27
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: SUNTRUST BANKS, INC. (NY)

Suntrust bank and XXXX  is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party Suntrust and XXXX are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (IL)

Paypal chose to suspend my account because they issued a dividend to me on XX/XX/XXXX and then withdrew the dividend on XX/XX/XXXX, so 100 % a paypal error. This was a dividend of {$2.00} so they are showing a negative balance because of their error. I immediately initiated a bank transfer to send them the negative balance, but this takes 3-5 business days. The only option to replenish the funds faster is through an instant transfer which carries a {$3.00} fee. 

Paypal is acting as a predatory institution. All I want is use of my account that is now shut off because of their error.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (VA)

I am a victim of account takeover. The hackers created a chip based card and had a PIN to withdraw fund from ATMs. The perpetrators has also found a way to intercept my paper statement and send me modified statements so I would not see fraudulent activity. I only caught the activity because of fraudulent activity on another account from another bank so I checked all of my cards. Discover is holding me accountable solely because they were chip and PIN transactions. The police were not able find any proof of fraudulent activity because Discover took so long to respond. All video evidence of the activity was no longer available. I have filed a claim with the FTC for Identity theft. Report number XXXX. XXXX County Police report number is XXXX. The FTC suggested I contact you since I have taken all of the appropriate steps but have not have the correct outcome with Discover. 

I have evidence of all of the activity but am unable to upload since the scan is greater than 10MB
Consumer complaint received 2018-04-27
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. (NC)

Under the FCRA I, XXXX XXXX request that XXXX immediately notify XXXX, Experian, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per XXXX, XXXX XXXX has the right to : - Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a XXXX consumer report for employment purposes within the past two years, or received a XXXX consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { XXXX, equifax and XXXX } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (PA)

Its now XXXX  and my XXXX  is still locked! Now Im getting told to call back in the afternoon ( which is almost impossible! ) Its been locked since XXXX. Im not sure what else to do at this point! This is a pandemic and I cant even access MY MONEY! Theres no physical branch in Pennsylvania or Id go there in person. I wish our government offered other payment options! 3-5 business days is turning into 3-5 months
Consumer complaint received 2018-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

We took out parent plus loans for both our children while they attend XXXX University and deferred the payments. When our son and daughter graduated from college in XX/XX/XXXX, our son and XX/XX/XXXX, our daughter, we contacted Navient to start the loan repayment process and hopefully lower the payments according to their income. But we were told we could not do that, after we were told this is how we should do the loans when they started college. we were also told we would be able to switch these loans into our son 's and daughter 's name after they graduated but that also isn't true. Now we and both our con and daughter are strapped with high interest payments for the next 25 years.
Consumer complaint received 2018-05-09
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. (CA)

I filed a Bankruptcy in XX/XX/2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with XXXX over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that XXXX searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.
Consumer complaint received 2018-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

I have been a customer of Citibank for over 16 years. Within the past two years, the Bank began to sneakily begin charging me a {$25.00} service fee every month. Despite never having had to pay this fee before, they began charging it to me without my knowledge or notification. I called today about the fee, and it was clear that this was instituted to catch people like me off-guard, as I was able to move, without any difference in service, to a free account. They were only willing to reimburse me for three months of the fees, however, despite the fact that I have paid more than 10 of such feed.
Consumer complaint received 2018-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX someone opened up a Bank of America core checking account under my name fraudulently. The account was closed on XX/XX/XXXX and charged off XX/XX/XXXX in the sum of {$3400.00}. the account has been paid in full as of XX/XX/XXXX. It's for checking account ending in XXXX.

I filed a claim back in XXXX   and received a response from Bank of America stating that I needed to file a identity theft claim with them which I have. The claim number is XXXX. 
This is regarding case number XXXX I've tried to call the 800 number given to me in the letter from Bank of America and you can't get through is a non-working extension line. This seems to be consistent with others who have tried to contact them. I've attached the letter for your reference.