davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

OneMain viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. 
XXXX XXXX XXXX viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. 
US SM BUS ADMIN ODA viewed my credit report on XX/XX/XXXX without my consent or authorization. I have contacted them and XXXX disputing these inquiries and they never take any action to removed them. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized them to viewed my consumer file otherwise I am asking that they remove these inquiries from my XXXX file.
Consumer complaint received 2018-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I have consolidated loans with the loan servicer Navient. I am a teacher and applied for Federal Teacher Loan forgiveness this past summer. I was denied even though I met all the qualifications and submitted proper paperwork. It has now come to my attention that Navient was involved in bad practices that made it impossible for teachers and other public service providers to be eligible for these loan repayments. They put their needs and desire for extra fees above those of their clients.
Consumer complaint received 2018-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I am attempting to get my credit fixed and have contacted the three credit reporting agencies about two accounts that do not appear to be legitimate. I just received the results back today from XXXX stating that the two collection accounts are accurate. 

When I explained that they could not be accurate because of the dates both accounts were opened, the XXXX contact told me the company, XXXX XXXX, assured them in a certified response. 

When I asked for a copy since it was obvious XXXX wasn't going to actually make XXXX XXXX prove I opened an account with them, the XXXX contact told me XXXX XXXX is not required to give them any proof of the account! 

I asked to speak to a supervisor at XXXX, but after a long hold, I was told there were no supervisors available and they would have to call me back ; that was several hours ago and no call as yet! 

It does not appear that disputing an account on your credit report does any more than cause the CRA to contact the company and asking them if the account is valid and if they say it is, XXXX   takes their word for it. 

I want proof that this company has something to show that I owe them money. I don't ever remember dealing with a XXXX XXXX. AND I KNOW FOR SURE, I HAVE NOT TAKEN AN ACCOUNT OUT WITH THEM OR ANY ONE ELSE IN XX/XX/XXXX OR XX/XX/XXXX!!!
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

I was offered a credit card from XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. I sent in the application and never received the card. On researching, the bank of mailboxes that supplies our house was broken into and mail stolen. We called XXXX XXXX XXXX and reported we never got the card. The card was apparently used at a XXXX in XXXX Colorado shortly thereafter. and the police were to lazy to look at the security camera video and apprehend the thief. I have called XXXX XXXX XXXX 5 ( five ) times since and each time been told that the realized that this was the case and that they would erase any charges and close the account, and each time continued to receive bills until the 5th time. Apparently they then reported adversely on my credit. The last time I talked to them was over a year ago. Apparently No matter how many times I call them they can not get it right so I thought I would go to this website to get action. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Colorado XXXX
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I switched from XXXX to FedLoans in XX/XX/XXXX. I was told to make regular payments during the transition to avoid any delay in payment. During that time I was put on an administrative forbearance that spanned two payment cycles ( XX/XX/XXXX-XX/XX/XXXX, XXXX ). This was a forbearance that I was not made aware of until XX/XX/XXXX when I realized my PSLF qualifying payment count was wrong and that I was in pay ahead status. In the past, when I needed to go on forbearance ( with XXXX ) I was given paperwork stating I was in forbearance, but I never received such paperwork from FedLoans. I called FedLoans multiple times and spoke to multiple managers regarding this. They offered to shorted my administrative forbearance in order to make my XX/XX/XXXX payment would count. I received multiple letters stating my administrative forbearance period was changed. 

My questions are : If my administrative forbearance was shortened, why did my XX/XX/XXXX payment not count towards my total qualifying payments? If this was not the proper solution to my issue, why did a FedLoans Manager offer to do such and state that this should fix the problem? 
Why was I put on an administrative forbearance but told to make payments during that time? Why did FedLoans collect over {$6000.00} in capitalized interest on a forbearance that I did not want? Why do I not have paperwork agreeing to this forbearance or stating the forbearance period ( prior to XX/XX/XXXX )? 
Why arent borrowers informed that any payment made during a forbearance period would not count towards your qualifying payments in PSLF? If they are informed of this ; was this a policy that was in place in XX/XX/XXXX ( when I was put in forbearance )? 

Thank you.
Consumer complaint received 2019-03-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

I've asked this company to stop contacting me via their online contact us form ( twice- most recent was yesterday ) and through physical mail ( mailed XX/XX/2019 ) and told them that they may contact me via email or mail ONLY. They repeatedly call me, my husband and my WORK EVERY DAY! even AFTER I told them not too!
Consumer complaint received 2018-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

I was researching promotional balance transfer credit cards. Citibank was one of the ones that seemed to have the best offer. After putting in all of my personal information I saw nothing at all about any fees - this is why I chose this bank. 

After running my credit, I get an approval and then it shows a balance transfer fee which seemed extremely high. I immediately called and spoke to a representative and she transferred me to another representative. I explained my frustration and how this was misleading and she told me that there was no balance transfer fee in the promotional period. I asked again to confirm and she said there was no fee. Potentially there may have been a language barrier but she clearly said no fee. 

I then get the card a few days later and transfer my balances. When I get my bill, I see that there are fees and that they were not credited. I called back into Citibank and talked to a representative and she says her manager will listen to the calls and call me back. I receive no call whatsoever. 

I call in again and speak to someone and they say the calls were searched but they didn't find any conversations about fees. The only calls I had were about fees!! I feel like I've been lied to once again. 

He offers to credit me back the fees if I transfer my balances to another card. That was insulting. Also it's simply setting me up for another XXXX. 

Citibank has given me the worst experience. Terrible customer service. Blatant XXXX and very sneaky and misleading advertising that discloses nothing about fees. They know that consumers don't want to continually get their credit pulled, so they don't disclose this information until after they've checked your credit. Then after that, they have representatives that can give you wrong information and as a consumer that does not have the easy ability to record their own calls, you are out of luck. 

Citibank has been sneaky and I truly can not trust them with my accounts. I regret getting myself into this situation.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian are not maintaining reasonable procedures.
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank apparently opened accounts using my name and address without my authorization. I have never had a bank account with TD Bank and do not want one. Now, they are billing me for service fees on accounts I didn't open. This smells of the XXXX XXXX fraud. The accounts are TD Simple Checking # XXXX and TD Growth Money Market # XXXX.
Consumer complaint received 2018-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I did contact Portfolio Recovery Associate to provide the court document stating that a Judgement was entered against my property or a contract that shows that i XXXX XXXX XXXX Entitlement Holder/Registered Owner of the XXXX XXXX XXXX have a signed contract or a debt obligation in its favor, they failed to do so. I did file a Claim in the Virginia Commercial registry after they defaulted to remove the Collection item from the credit bureaus. I did address the CEO of PORTFOLIO RECOVERY ASSOCIATES to produce proofs of claims and, he failed to do so, as a result a UCC lien was filed against PORTFOLIO RECOVERY ASSOCIATES and its CEO XXXX XXXX XXXX as it was the terms and conditions if proofs of claim could not be produced. I am the uncontested Registered Owner of XXXX XXXX XXXX with my Birth Certificate Authenticated at all Three Levels of Government and Registered with with the United States Department of Commerce with a {>= $1,000,000} CLAIM against anyone using it without my permission.
Consumer complaint received 2019-03-22
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

High Education Services sent a notice to my employer for wage garnishment when I was in an active payment plan with them. I had a remaining balance of {$600.00} and i had already paid {$3500.00} to the company for my student loan. 

When contacting the company, the representatives were aggressive, rude, hostile and argumentative. They do not give you an opportunity to speak and strong arm you throughout the entire conversation. Specifically the representative who goes by the name of Ms. XXXX. 

They dictate the payment amounts and dates and are not flexible to your financial situation. They constantly threaten me with garnishments and vulgar language.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Someone stole my personal information and identity and opened an unauthorized and fraudulent account with XXXX XXXX XXXX. The account or debt do not belong to me. I am a victim of identity theft. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. I have been receiving harassing and threatening telephone calls and XXXX threats from XXXX XXXX XXXX representatives.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SD)

On Friday, XX/XX/2018 I went through Equifax 's " security freeze '' process at https : //www.equifax.com/personal/credit-report-services/. It forces you to create an account to place a freeze. 

I created an account. 

It doesn't allow logging in. It gives the following error : " We are temporarily unable to complete this request. 
Please try again later. '' It is now Monday, XX/XX/2018. The above message is constant and has been in place since Friday. 

Today, I received a welcome email from Equifax for their " myequifax '' website, which, as noted above, does not allow a login. I called the number in the email. I was informed Equifax has been updating their system " for a month '' but that I should " call back in 30 minutes ''. 

I called back 2 hours later. I was told, again, that nothing could be done because their system was updating, and to " call back again in 30 minutes ''. So I called again 3 hours later, and ... same thing. 

My understanding is that federal law states these jokers are supposed to allow me to place a security freeze. 

They are not allowing me to do so online or via phone. 

Between this and not being able to get my report, I've wasted multiple hours now trying to deal with Equifax 's broken website and support, and am seriously considering following the example of the woman in Vermont and filing my own lawsuit in small claims court. What's the point of having laws if there's no penalty for not following them?
Consumer complaint received 2018-10-19
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: Experian Information Solutions Inc. (NC)

I have tried to dispute and removed XXXX XXXX XXXX XXXX XXXX this has been on my report for 7 years & 2 mo I asked that it be removed immediately it shows that this account has been paid.
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (PA)

Borrower continued to make payments, including XX/XX/XXXX and XX/XX/XXXX, however the mortgage company stated that payments were never received. Borrower called regarding the money orders and received proof that money orders were cashed by lender. The borrower did not want to pay additional payments as borrower believed payments were current. Loan is now in foreclosure. Borrower sent out a QWR letter XX/XX/XXXX requesting for payment history to determine or prove that payments were received. Lender never responded to QWR letter as of today. Lender 's counsel was asked the status of the response of QWR letter at the last conciliation conference on XX/XX/XXXX but lender 's counsel had no knowledge. Housing counselor submitted a copy of QWR letter along with receipt of certified mail to lender 's counsel on XX/XX/XXXX. Lender has neglected to send any proof of payment history to reflect that XX/XX/XXXX and payments after were late.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

Around XX/XX/XXXX, I contacted Sellpoint Mortgage Servicing which had recently purchased my mortgage loan from another lender. I inquired regarding my loan not being reported to the credit bureaus.They responded on XX/XX/XXXX saying that since I had filed for Chapter XXXX Bankruptcy in XX/XX/XXXX that they were in no obligation to report it and they withhold from establishing a tradeline for the loan. 

That changed, and they have now reported negative/derogatory information on my credit report, although I have never been late on my mortgage monthly payment. As a result, my credit scores has decreased substantially. I have submitted disputes to them and to the credit bureaus to clear this from my credit report. Not only is the information that they are reporting wrong, they are also not reporting a balance which I still have or monthly payment on my account.
Consumer complaint received 2023-10-14
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: Experian Information Solutions Inc. (FL)

I closed my XXXX credit card on XXXX The account has been reporting wrong for the past two months! Its still reporting open, still reporting a high utilization and as of XXXX  a late payment was reported! This has damaged my Experian credit score! At the time of my account closure on XXXX  my payments were current and not late! I have disputed three times with Experian and they say XXXX says its open! But when I contact XXXX they send me emails confirming the account closure date and I send that to Experian and nothing gets fixed! I was denied an apartment due to this error hurting my credit! I just get generic responses from XXXX  customer service or they deflect the issue!
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WI)

Again I am having issues with chase!!!

If my account is closed why are there still activities going on?! I have been treated very unfairly and no one is answering my questions and concerns. On top of it all I can not access any of my bank statements which just shows me that CHASE has something to hide, I have contacted the FDIC and if I must I will take further actions to get the issues resolved as well as receiving compensation for all the hardship, stress and financial issues that CHASE has caused.

They have stolen money from me and there have been weird transactions appearing on my account even after I was told that the account was closed and this happened without warning or knowledge of what is really happening with my account.
Consumer complaint received 2018-10-20
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. (VA)

Despite multiple requests, the unverified item with XXXX XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX XXXX has told me I never had late payment with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.