davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

I have spoken to Navient customer service XXXX as well as their collection department XXXX. I spent over two hours today XX/XX/2024 and one specific woman who is supervisor XXXX XXXX when she heard my issue, she told me nothing she can do. 

one of the calls the person not talking but I could hear heavy breathing! 

about a month ago XX/XX/2024 I called Navient to have complete history of private student loan to be sent to my mailing address. I received the information and noticed many errors such as the loan amount initially distributed was different than what I am billed and accrued interest on it. 

Also, in my XXXX bill I noticed error too and company refused to correct or explain what they have to do to correct it. I was told by company rep that is computer error but not able to explain how the error happened and how to fix it. also, some fees and late fees I never noticed before now I see it in the history. 

I believe Navient is involve in deceptive practice. Intentionally they processed payments incorrectly.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

On XX/XX/XXXX, I received a text from my bank, Chime, asking if I authorized a charge. i replied no. They replied that they would contact me shortly. ( Copy of text was provided to Chime along with my dispute ). I received a call from what I thought was Chime. The person on the other line knew recent transactions on my account, so nothing seemed out of the ordinary. They stated that someone was attempting to withdrawal via a pay app from my account in the amount of {$900.00}. At the conclusion of the call, they stated that my money was secure and any funds would be returned to my account within 5 minutes. After taking my daughter to her appointment, I called Chime back to confirm everything was settled. They did not know what I talking about. Since the funds were not returned and I found I was hacked and my account cleared of the {$900.00}, I filled a dispute. The next day I received an email from Chime stating that no fraud was found and my funds would not be returned. I replied to the email requesting further explanation of why I would not receive the return of my funds. They sent back a generic reply on how to file a dispute which I already had and they denied.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (CA)

I recently discovered three debt items on my credit report from AMEX, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to AMEX XXXX XXXX XXXX in XXXX XXXX, FL XXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from XXXX XXXX regarding my dispute. This failure to respond violates my federal rights under the FDCPA.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (RI)

Our mortgage was transferred from XXXX to Nationstar Mortgage effective XX/XX/2016. Prior to it being transferred we paid our XX/XX/XXXX bill like usual with XXXX. While setting up our online account with Nationstar we noticed our bank account information transferred over automatically and in turn our auto debit settings transferred over as well. The only issue appeared to be that it was going to skip the XX/XX/XXXX payment, take effect XX/XX/XXXX, and that we would have to manually pay the XX/XX/XXXX bill online. So I went ahead and did just that on XX/XX/XXXX, with 6 days left in the grace period. It was debited from our account on XX/XX/XXXX We then woke up on XX/XX/XXXX and noticed that Nationstar attempted to withdraw an additional full {$1100.00} mortgage payment from our account which resulted in a {$40.00} NSF fee from our bank, XXXX. We were confused as to why, but saw that the bill was payed so we ignored it. A week goes by and they again attempted to withdraw another {$1100.00} from us resulting in another {$40.00} NSF fee from our bank. I then called their customer service and spoke to someone that was the equivalent to speaking to a brick wall. She could not follow what I was saying and kept repeating the same thing like she was just reading off a script and did not have a mind of her own. After XXXX minutes of not getting anywhere with her I asked for a supervisor and was transferred to someone that, after having to repeat my issue a few more times, finally somewhat understood what I was saying. She conducted a few minutes of research and then finally assured me that I was all set and that it appeared to be a computer issue on their end. I contacted XXXX and they more than happily refunded the XXXX NSF fees. We then all went on our merry way thinking everything was rectified. Fast forward to today, XX/XX/XXXX I get a call from a rep at Nationstar saying we STILL OWED OUR XX/XX/XXXX MORTGAGE PAYMENT. I explained what had happened XXXX weeks ago and somehow they magically found that it was in fact payed and that the issue was XXXX had n't sent over the payment from XX/XX/XXXX. I do not understand at all how these issue keep occurring. I do not understand how their computer system can make this many mistakes. I do not know if someone is doing something maliciously or criminally, or if they are just incompetent. What I do know is that we will be searching for a new mortgage company and if there is XXXX more issue we will be moving.
Consumer complaint received 2024-08-07
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX XXXX XXXX XXXX and about a year ago my brother gave me an additional card for his American Express XXXX  with an XXXX ending and it was canceled several months ago. Right now I have my personal American Express Everyday card in my personal account and I have paid all my account statements in a timely manner and I have had the problem for a long time, that when my brother is late with a payment it affects my card because I can not use it and it affects my credit score, I called service to the client and they told me that this was happening because I was the owner of my brother 's XXXX  account and I explained to him that it is impossible for me to be approved for an American Express XXXX card in XXXX because I had {$0.00} in income in XXXX and I made approximately $ XXXX in XXXX, thanks to that information the customer service assistant found that there was an error in the system because my identity was mixed with that of my brother and that a separation of accounts had to be made, but to To do this my brother needs to write a letter where I sent his social security information and a copy of his ID, I do not have a good relationship with my brother at the moment and I explained it to customer service, and they told me that is the only solution that they could provide me and that if it is not done that way in the meantime I will continue to be the owner of my brother 's debts and if he is late with any payment it will have an impact on my credit history, I always make my payments on time and I disagree that the solution to my problem is having to beg a person to send a letter when the problem comes from the American Express system.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year>, I sent signed requests to Transunion, XXXX, and XXXX to inquire about the sources used to verify the bankruptcies listed on my credit report. These requests were aimed to validate the accuracy of the information reported in compliance with the Fair Credit Reporting Act. However, only XXXX responded and removed the bankruptcies from my credit report. 

Both Transunion and XXXX failed to respond to my inquiry. So I sent signed follow-up letters to both on XX/XX/year>. Again, no information or updates on the status of my requests have been provided by either agency. The lack of response has left me unable to address and dispute the potential inaccuracies on my credit report, which are significantly impacting my credit standing and financial opportunities.
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (OK)

In XX/XX/XXXX I was notified by an identity protection provider that several credit cards were opened or attempted to be opened in my name. 
On or about XX/XX/XXXX, I was contacted by XXXX police department that my personal information including my Social security number, a credit card statement and other personal information was obtained during a search of a residence in XXXX  XXXX. I filed a police report with the XXXX Police Department on XX/XX/XXXX. Police report # XXXX. I reported there were 11-12 attempts to open credit cards in mine and/or my wife 's name. 
XX/XX/XXXX I faxed all of the information to Barclay 's for the first time. 
That information included the XXXX policy report # XXXX. 
On or around XX/XX/XXXX, I received a restitution letter from XXXX XXXX XXXX, District Attorney, XXXX XXXX XXXX XXXX XXXX, State of Oklahoma that I was a victim of a crime. Case # XXXX State of Oklahoma XXXX XXXX XXXX XXXX XXXX I filled out the Itemized restitution request letter informing them that a XXXX rewards credit card issued by Barclay 's Bank had been taken out and purchases in the amount of {$980.00} were made on the card. 
The card in question I later received the credit card at my residence. 
I contacted Barclay 's bank with the assistance of XXXX from my XXXX XXXX XXXX and informed Barclay 's the card was taken out fraudulently and I wanted it investigated. The card was placed on suspension and was investigated. I received a letter from Barclay 's that after investigation, they concluded the card was not taken out fraudulently. 
I have sent Barclay 's the police report 3 times. Two times via fax and 1 time regular mail. A copy of the restitution letter from the District Attorney and have called Barclay 's approximately 25 times explained the situation and every time it's the same response. 
I'm told it will be investigated and in a few days I received a letter explaining that they have concluded their investigation and no fraudulent activity found. 
The entire ordeal included approximately 17credit cards being taken out or trying to be taken out in mine or my wife name and SSN.

Barclay 's is the only card remaining that has not recognized the illegal activity in my name
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (OH)

I have a federal student loan that I have been paying on since XXXX. It started off at {$68000.00} and now its over {$110000.00}. I have been asking for my loan documents since XXXX of XXXX. I was told that they didnt have them and to check with the XXXX XXXX XXXX XXXX I was instructed to file a FOIA request which I did in XXXX of XXXX ( XXXX ). The website for FOIA said they would respond within 10 days and I havent heard anything. I have reached out several times. Th first time was in XXXX and they said it was still in progress. I checked the status and as of today, its still in progress.
Consumer complaint received 2024-08-07
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2024, I discovered that one of my credit card accounts had been closed due to a bankruptcy filed XX/XX/2024. I am not in bankruptcy. I was directed to contact the credit bureaus which I did and was told by each of them that they show no bankruptcy on my credit report. 

This is a continuous issue with my siblings credit information being merged with mine. Our names and social security numbers are very similar. I have had security alerts, freezes etc added to my social security account to no avail. 

I contacted Trans Union, XXXX, XXXX and XXXX and none of the companies are claiming to be responsible for the error. One of them had to post the bankruptcy because my XXXX XXXX  XXXX  account has been closed because of it. 

Please help. The only solution that the credit companies offered was a free credit report.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (LA)

I paid -off the balance on my XXXX XXXX XXXX Synchrony Bank XXXX and had a credit line of XXXX. Within XXXX week the company reduced my credit line to {$110.00} and the available credit was {$6.00}. 

I spoke to a XXXX XXXX XXXX  a XXXX, and an Account XXXX and none of them could tell me why this was done and that it would take XXXX days to reconsider restoring my credit line to the full {$4000.00} limit. 

This seems improper, prejudicial, and an unfair business practice. 

I would like my full credit line of {$4000.00} restored immediately.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX Balanced : {$87.00} XXXX XXXX XXXXXXXX Balanced : {$140.00} XXXX XXXX XXXX Balanced {$77.00} XXXX XXXX XXXX Balanced {$99.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-16
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. (MS)

Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (IL)

My credit report shows that I have an automobile loan through XXXX XXXX ( now BMO ). This is false and misleading information as the transaction was a retail installment sales contract - there was no loan. According to your site : LAST REVIEWED : XX/XX/year> What is a retail installment sales contract or agreement? 
XXXX XXXX XXXX retail installment sales contract is a type of financing agreement. It is made directly between you and the auto dealer. The dealer will typically sell the contract to another lender unless the dealer is a buy-here/pay-here dealer. 
Traditional vehicle financing involves borrowing money from a bank or other lender. In contrast, a retail installment sales agreement is when you borrow directly from the auto dealer. These dealers typically sell the retail installment sales contract to a bank, credit union or other lender. However, a buy-here/pay-here dealer, will keep the contract. 

The copy of my contract from my auto purchase states clearly across the top that it is a XXXX XXXX XXXX. I have requested a copy of the original contract both from the dealership and the bank. The dealership sent me a copy that matches the copy I have. I have not yet received a response from the bank. 
My goal is to have this negative report removed from my credit report.
Consumer complaint received 2024-06-11
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I keep seeing on Equifax and XXXX that I have a late payment history for XXXX XXXX. However, XXXX XXXX has corrected this on their end to reflect a positive payment history with a {$0.00} balance. According to Equifax and XXXX 's website it shows {$130.00} past due with a late payment history. I have an open dispute still with both. Neither of them can seem to explain why this hasn't been updated. Also, with Equifax, they have one page on the website with my vehicle listed as a charge off. But, they also have a letter from XXXX stating vehicle was paid as agreed with a {$0.00} balance. XXXX just keeps giving me the run around