davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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: Navient Solutions, LLC. (FL)

I have sent four certified letters to XXXX  - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all Navient Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of Navient have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on XXXX. I have called numerous of times XXXX starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and XXXX  is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these Navient Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )
Consumer complaint received 2020-05-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I requested validation and verification of a bankruptcy with XXXX, that has been reporting to the Experian and XXXX credit bureaus. After 30 days I received a response from XXXX XXXX stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. XXXX XXXX violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse via mail to verify if XXXX XXXX verified with them. I received a letter from the court clerk stating THEY DO NOT give any information to any of the credit reporting agencies including XXXX XXXX. I do not know how XXXX XXXX received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Consumer complaint received 2020-05-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TN)

Specialized Loan Servicing Crooks ... .. My husband passed away in XX/XX/XXXX. I found out loan was in default and paid it current for 16 months at XXXX a month. I have tried to contact them to no avale ... the loan is his only. I am not on it, couldnt talk to me no authorization. All mail went to PO Box I had no access to. I sent letter to modify so I could afford and keep house. I quit paying when could get no information. The title has been in both names from XX/XX/XXXX. He was able to refinance over and over when his business was failing and could not have qualified if verified. He has leins on property ... please help me ... ..
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I got a Synchrony Bank Credit Card from Mattress Firm that I used to purchase 3 mattresses, pillows and mattress protectors. 
I did this purchases in 3 different transactions, 2 the same day, 1 some weeks after. 
All this was bought with a promotion of no interest for 18 months. 
For a reason that I can not explain the CreditCard decided to apply my payments in a way that one of the promotions was affected more than the other and therefore I end up paying one the the purchases faster thats the other. 
After that I realized some months later that my balance had a spike when I purchased nothing new. I suspected of fraud to only realize the credit card decided to charge me interest for more than 200 going back to original purchase day as I did not realize my payments were applied in a way different than I expected. 
All in all I was charged {$230.00} on interests. 
I called Synchrony bank several times. Spoke with agents and Manager and they basically told me they were in the right of charging me interest and therefore they do. 
Totally upset with Synchrony, awe full experience. 
I look forward to recover my money that was charged on interest and close all my synchrony accounts. 
Hopefully some exemplary measures can be taken agains them so they do not take advantage of people.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Navient is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (MS)

My loan was transferred to SST I never had any idea it did they would agree to terms then call back and leave messages. I eventually got tired because they would call and call and call. I called them back and advised that I would like to settle but when you try to settle the account with them no one that works for them knows about the letter they sent so you are back and forth again with calls all day long from them. I receive more than 5 calls per day at all hours from this company
Consumer complaint received 2020-04-30
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (FL)

I recently obtained a copy of my credit report and noticed inaccurate information. Kia Motors Finance is reporting a debt in my name ( XXXX ). I have never owned a XXXX and have asked them to provide proof that this account is mine whih they have refused to do.
Consumer complaint received 2024-11-20
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. (IN)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account DEPTEDXXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-04
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/22 I purchased a merchandise and paid through my PayPal credit account. I noticed the merchandise was defected and didnt work. I contacted the seller and received address to return merchandise which was delivered, I have a tracking # that it was received. PayPal continued with dispute and removed amount from my statement. On XX/XX/22 it was added back to my account, I disputed again and was removed again from PayPal on XX/XX/22 in addition, I also provided copies of return merchandise and on XX/XX/22 it was added again to my PayPal account. PayPal wants me to deal with the vendor/seller, I do need to deal with them, I do not have the merchandise and DO NOT owe this money. As a result of this this amount being to my account, it affected my credit report XXXX and XXXX score by XXXX points for increased amount and over limit amount. Please help me get this taken care of. I do not owe the money of {$1400.00} to PayPal or vendor/Seller.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

There was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX XXXX XXXX false statements made on behalf of XXXX and fake letters they said they sent.
Consumer complaint received 2018-07-28
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: NAVY FEDERAL CREDIT UNION (CA)

Navy federal Is refusing to assist me with my dispute I left my purchase in the fitting room when I realized I dont have my purchase I immediately went back to the fitting room and terribly it was gone now I am pay and making payment for a purchase I dont have
Consumer complaint received 2018-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flagstar Bank, N.A. (GA)

We sent the following email to the Flagstar Class Action Settlement email and received no response, after reaching out to a Flagstar Banking Representative on XX/XX/2018 and we received no response or follow-up and are requesting that our checks be reissued for payment : Hi Flagstar Overdraft Settlement Dept, We just received the following checks in the mail on today and would like to please request a  reissue of the the checks, since you have cancelled the settlement checks from being negotiated after 60 Days : 1. Check # - XXXX - {$80.00} - Dated XX/XX/2018 2. Check # - XXXX - {$13.00} - Dated XX/XX/2018 We reached out to The XXXX XXXX XXXX  on this morning and they stated you would reissue the checks. 

Again, we received these checks today - XX/XX/2018 from the following address : FLAGSTAR BANK OVERDRAFT SETTLEMENT XXXX XXXX XXXX XXXX OR XXXX Also, your Postage was Dated on XX/XX/2018 and Stamped by an Internal System XXXX XXXX U.S. Postage. This is the same date as the Check Date. Was this purposefully done internally by Flagstar and held for 6mths to withhold Settlement Dollars? 

We truly appreciate your time and consideration and look forward to hearing from you.
Consumer complaint received 2018-07-28
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. (TX)

I have a paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I do not owe. See the attached copy of the receipt as account being paid.
Consumer complaint received 2018-07-28
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: SYNCHRONY FINANCIAL (CA)

XXXX XXXX very cheap terrible bank to work with I have been trying to dispute the unwanted charge to my account and this XXXX XXXX  refuse to do anything First they told their dispute department XXXX XXXX and confirms that the charges to my account was ledget then when I told them I will take them to court then they said their going to start the dispute again and that was lie it was just to buy time and toy me around they send me this stupid letter which I will include with this complaint They refuse to credit the unwanted charge
Consumer complaint received 2020-03-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OR)

I recently refinanced my parent plus direct loan with mohela sofi. The feds have dropped the rates temporarily to 0 % and required all servicers to comply. However mohela sofi is not honoring this for any private loans that were refinanced from a fed loan.
Consumer complaint received 2018-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Hello my name is XXXX XXXX. On XX/XX/2018 I purchased {$80.00} of Bitcoin and {$10.00} from the website Coinbase. The {$80.00} of Bitcoin was stored in my Bitcoin wallet and the {$10.00} was stored in my USD wallet. I was told to wait a few days before trying to transfer the funds from my Coinbase wallets over to my XXXX wallet. However, while waiting I noticed that the {$85.00} had been double charged in my checking account which set my account into a negative balance and thus a NSF fee was charged. I didnt have the funds to bring my account into the positive and when I spoke to Coinbase about the issue they said they would have their agents look into it. A few mroe days passed and they didnt resolve the issue so I filed a report with my bank and they got the {$85.00} that was double charged back into my account. However, Coinbase put my funds that I had in my wallets on their site into a hold until they could look further into the issue that took place on my account. On their site it had a disclaimer on my account that my funds would be on hold until XX/XX/2018. When that day arrived however my funds were released from being on hold but it said that buys were " currently disabled from your account ''. This means I cant transfer the funds from my Coinbase wallets into checking account cause there is a block on my account. When I called Coinbase support they keep telling me that I have to wait for their agents to fix my account and get the hold uplifted on my checking account. I have been waiting since XX/XX/XXXX and at this point am frustrated and tired of playing the waiting game. Any help you could provide would be extremely appreciated and helpful to me.
Consumer complaint received 2018-07-28
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. (NY)

I have tried to prove beyond any doubt that my consolidated student loans were always in deferment. I have filed numerous complaint against XXXX XXXX XXXX, the servicer of my student loan. When this company took control in XX/XX/XXXX, I was still in deferment. Therefore, how could I ever be late on payments? I have never made payments while in deferment. On each credit bureau it shows that I was automatically 90 to 180 days late on payments. On Equifax it shows an instant 90 days late all the way up to 180 days late, then back to 90 days late. This is a complete fraud used by a debt collectors to hold my credit rating hostage. 

My XXXX shows from a perfect rating to an instant 180 days late in XX/XX/XXXX. 

My XXXX XXXX shows automatic 90 days late up to 120 days late. 

I need now the bureaus to investigate an abusive credit reporting process done by XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. 

I NEED THESE LATE PAYMENT HISTORIES PURGER PERMANENTLY!!!
Consumer complaint received 2018-07-27
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 (CA)

XX/XX/2018 : I deposited {$25.00} into my prepaid American Express card at XXXX. 
Later that evening I tried to use the card to purchase a gift for my son but the card was denied. 
I called the number on the back of my card and when I was finally able to speak to someone I was told that they put a hold on my card because they needed to make sure their was no fraudulent activity. 
This is not a new card. I have had this card for about 3 years. 
XX/XX/2018 : I called the card again and was placed on hold for about an hour and a half and when I spoke to the representative they told me that I could go ahead and use the card. 
I tried to make a purchase and it was denied. 
I called the card company again and was placed on hold for about an hour and when they came on the line they immediately hung up on me.
Consumer complaint received 2018-07-27
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. (WI)

The credit bureaus Experian and XXXX  have failed to remove items that have been disputed as being past the 7 year statutory time limit for reporting negative items according to the FCRA. These items have been disputed multiple times and the bureaus never address the actual issue that I stipulate as not meeting the FCRA Requirements and that the accounts are too old to be listed. Upon completion of their dispute they only verify that the account information is correct and simply call it resolved, which is in violation of the law. 

The two accounts in question are the following : XXXX XXXX Partial Account Number : XXXX Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years. 

XXXX XXXX XXXX XXXX Credit Card Account with no Account Number Listed Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years.