davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Hello, it has come to my realization that my XXXX took out credit in my name while I was at XXXX. This credit was not for me and now I have been stuck with this debt as he no longer can afford. This is pure ID theft and I have reached out to the XXXX companies and they have not replied back nor has the XXXX reporting agency. This is not fair as I am a new graduate and I can not be stuck with debt that i did not take out for myself. Please help me Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-27
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: OneMain Finance Corporation (TX)

This loan was from a convenience check mailed in my Name, however my ex-husband opened the letter, signed my name, including my social security number included his contact information deposited the check online without my knowledge and did not not repay amount. Because he forged my signature and took out this loan in my name and used the funds, As per our divorce decree He is responsible for debt as it was his. 
If needed I am able to provide copy of divorce decree and check signed by him.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late PAyment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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: SUNCOAST CREDIT UNION (FL)

I am currently disputing the reduction of my credit limit by Suncoast Credit Union. On XX/XX/XXXX, XXXX, a third-party company used by Suncoast for software auditing, claims to have sent me a letter regarding a statement. I never received or saw this letter, as I only communicate directly with companies I regularly do business with, such as Suncoast.

Without any prior notice from Suncoast, my credit limit was reduced from {$5000.00} to {$2400.00}, which resulted in my current balance of {$100.00} appearing as an overbalance. I have spoken with nine different representatives from Suncoast, and not a single person could explain or justify the {$2400.00} figure. This arbitrary reduction has unfairly impacted my account, and I believe these practices are neither transparent nor fair to consumers. 

I am requesting a thorough review of this matter and a proper explanation. The failure to provide clear notice or rationale for these changes is harmful and has left me with an unjustified outstanding balance, solely due to the reduction in my credit limit.
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (SD)

I attended XXXX XXXX XXXX ( a XXXX school in XXXX  ) XXXX XX/XX/XXXX to XX/XX/XXXX. 

During that entire time, I lived in XXXX. ( In XX/XX/XXXX, after living for 31 years in XXXX, due to the fraudulent accreditation representations of my school, I had to move to the XXXX because after 2 years of job searching it was the only place I could find a XXXX XXXX. ) On XX/XX/XXXX my federal student loans for that school were discharged by the Department of Education under the Borrowers Defense Loan Discharge Program per the XXXX XXXX XXXXXXXX settlement. I had applied for that discharge on XX/XX/XXXX. My discharge application included 22 sets of legal files, including depositions, proving that the school had misrepresented its accreditation. If needed, I can provide those. 

By XXXX, according to the documentation I provided the court, attending and graduating from XXXX had caused me to lose more than {$430000.00} in income and that was 11 years ago. Since then, the inability to license at my training level ( XXXX  ) due to XXXX misrepresentations about its accreditation has cost me hundreds of thousands more, as well as having to leave XXXX. 

I learned, for the first time, on XX/XX/XXXX that the private loan Navient held that I took out to attend XXXX XXXX XXXX can also be discharged. I had never received any notification from Navient that this might be possible, so I had continued to pay my loan. 

I immediately contacted Navient on XX/XX/XXXX and requested a School Misconduct Discharge Application. Navient denied that request, stating I was not eligible because I had paid off the Navient loan. 

They wrote : Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your private loans are not eligible because they are no longer outstanding and have been paid in full. 

I had continued paying, and eventually paid off that loan on XX/XX/XXXX because I did not know there had been a discharge process in place since XX/XX/XXXX. 

The Navient loan was a private, direct-to-school loan and XXXX XXXX XXXX is XXXX XXXX XXXX in XXXX, XXXX. 

The original loan was in the amount of {$26000.00}. 
It was disbursed in XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
On XX/XX/XXXX an additional repayment fee of {$930.00} was added to the loan. 
As stated, during that entire time, I was living in XXXX. 

I have paid this loan in full. 
The total I paid, with interest ( {>= $1,000,000} ) and the repayment fee, totals {$51000.00}. 
This amount needs to be refunded. 

Please help!
Consumer complaint received 2023-10-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I have the synchrony amazon prime card and I am reporting predatory practices intended to recoup more interest fees from customers. First, I bought a television from amazon on XX/XX/XXXX ; it was a large purchase ( {$1700.00} ), so I thought it was smart to take advantage of the 12 month interest free financing. Come to find out, there is no way to set up autopay on the account to pay for both the TV in 12 equal installments plus whatever other monthly purchases I make on amazon. I had to do it manually each month. I was not told this by Synchrony or Amazon at the time that I purchased the TV at the promotional rate. The synchrony card 's failure to include an autopay feature that includes promotional purchases makes timely payment by consumers more difficult and takes advantage of the likelihood of human error in order to recoup more interest fees. That did in fact happen in my situation and I ended up paying about {$100.00} in interest ; at that point, I decided to pay the whole balance and forgo taking advantage of the promotional rate in order to avoid any future accidental interest payments. 

On that date I went to make the whole payment, XX/XX/XXXX, I sought to pay my bill and went to the web address on the bill : syncbank.com/amazon. That address took me to amazon storefront. I had to click through several " help '' windows to finally find the synchrony website for the prime card. I also tried going to the standard synchrony website, but I could not log in with my amazon synchrony password. The fact that the payment site was so difficult to find, is again a predatory practice -- by making the payment page difficult to find, synchrony amazon prime card knows some customers won't be able to find it on time, thereby incurring interest payments.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the military data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house.
Consumer complaint received 2024-08-29
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: ARVEST BANK GROUP, INC. (TX)

ARVEST BANK ADMITTED TO INTERNAL SOFTWARE GLITCH CAUSING MY PERSONAL ACCT AUTO PAYMENTS TO BE COMPLETELY REMOVED FOR ALL FUTURE PAYMENT SET UP DATES WITHOUT MY KNOWLEDGE. INSTEAD OF FIXING ISSUE WITH CUST THEY REPORTED 30 DAY LATE PAYMENTS CAUSING XXXX DECREASE IN MY PREVIOUS IMMACULATE CREDIT! ARVEST ADMITTED TO THEIR ERROR BUT REFUSED TO UPDATE ACCT TO REFLECT NEW DUE DATES CAUSING MORE ISSUES WITH PAYMENTS. THE GLITCH CAUSED LATE PAYMENTS BECAUSE I WAS UNAWARE THAT AS A BALANCE ERASER LOAN CLIENT IT HAD AFFECTED MY ACCOUNT BY DELETING INFORMATION BUT MOST IMPORTANTLY REMOVING THE AUTO PAY ALREADY SET UP. I FOUND OUT BY CREDIT NOTIFICATION ON MY SCORE DECREASING. I'VE MADE OVER PAYMENTS THAT WERE CONSIDERABLY MORE THAN MIN DUE SO OVER PAYMENT COULD BE USED TO PAY OFF ANY LATE AMOUNT AND ALSO I'VE PAID DOUBLE OVER PAYMENTS SOME MONTHS TO COVER ANY HISTORY OF LATE PAYMENTS. THIS SHOULD HAVE BEEN RESOLVED APPROX 2 MONTHS AGO INSTEAD REPORT HAS XXXX AS 30 DAY LATE PAYMENT WHEN I HAVE MADE XXXX PAYMENTS OF {$460.00} TOTALLING over {$920.00} FOR THE MONTH OF XX/XX/year>. THIS IS INCORRECT. MY CREDIT HAS SUFFERED SEVERELY DUE TO THEIR INITIAL NEGLIGENT HANDLING OF MY ACCOUNT STATUS BY DISENROLLING ME OUT OF AUTO PAYMENTS AND DID NOT EVEN INFORM ME UNTIL IT WAS TOO LATE. THIS ISN'T FAIR BUISNESS TO A CONSUMER WHO HAS AN EXCELLENT & RESPONSIBLE HISTORY OF REPAYING ANY LOANS OR CREDIT OWED WITHOUT ANY MISSING OR LATE PAYMENTS. I SUPPLIED SUFFICIENT EVIDENCE AND ARVEST LOG ISN'T EVEN CORRECT WITH PAYMENT DATES THEY NOTED FOR XXXX/XXXX/202 IF YOU LOOK CLOSELY THERE ARE OBVIOUS DISCREPANCIES, I COULDN'T EVEN PROVIDE A THOROUGH EXPLANATION ON XXXX DISPUTE OR UPLOAD ANY EVIDENCE ON MY INITIAL DISPUTE CAUSING MORE DELAY BECAUSE OF TEXT COUNT. I DON'T HAVE MUCH IN LIFE BUT WHAT I DO HAVE I WORKED VERY HARD FOR INCLUDING MY CREDIBILITY AND COMMITMENT TO PAYING ALL DEBTS IN TIME. PLEASE HELP BY MAKING ARVEST ACCOUNTABLE FOR THEIR ERRORS IN THEIR INITIAL GLITCH CAUSING MULTITUDE OF ISSUES FOLLOWING RESULTING IN MY PERSONAL CREDIT DECREASING SEVERELY. I PLAN ON LOOKING FOR A HOME THIS YEAR AND I CAN'T AFFORD TO HAVE ANY NEGATIVE ATTENTION TO MY CREDIT REPORT. I HAVE AUDIO RECORDING OF CONVERSATIONS WITH ARVEST AND VISUAL EVIDENCE PERTAINING TO ARVEST BANKING ERRORS FOR ALL BALANCE ERASER PLAN CONSUMERS AVAILABLE UPON YOUR REQUEST.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (TX)

I am filing a complaint against XXXX Equifax and XXXX for failing to properly investigate and validate a disputed XXXX XXXX collection account on my credit report. Despite multiple requests, the credit bureaus have continued to report this debt without verifying the accuracy or validity of the information provided by XXXX. 

**Background : ** XXXX. **Disputed Account Information : ** - Creditor : XXXX XXXX - Collection Account Number : XXXX - Amount : {$860.00} - Date Reported : XX/XX/XXXX XXXX. **Failure to XXXX XXXX : ** Since XXXX, I have repeatedly requested from XXXX XXXX a proper validation of the alleged debt. XXXX has only sent me random, non-itemized phone bills, which do not meet the legal requirements for debt validation. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested specific information that was never provided, such as : - A copy of the signed contract or agreement creating the debt. 
- A complete itemization of charges. 
- Proof that the debt is within the statute of limitations. 
- Documentation of any transfer or sale of the debt, including the name of the current owner. 

XXXX. **Disputes with XXXX XXXX and Equifax XXXX ** I have formally disputed this XXXX XXXX collection account with the credit bureaus multiple times, yet they continue to report the debt as verified without providing any evidence of its validity. Credit bureaus have not conducted a thorough investigation or requested sufficient documentation from XXXX. As a result, the inaccurate collection continues to damage my credit score. 

4. **Inaccurate Credit Reporting : ** The credit bureaus refusal to properly investigate and verify the disputed information is a violation of the Fair Credit Reporting Act ( FCRA ). Their failure to remove this inaccurate collection has caused significant damage to my credit profile and financial standing.

5. **Impact on Military Family : ** As a military spouse, I am particularly vulnerable to the financial consequences of incorrect credit reporting. This inaccurate reporting has caused undue stress and negatively impacted my familys financial well-being. 

**Relief Sought : ** - I request that all three credit bureaus remove the XXXX XXXX collection account from my credit report immediately. 
- I demand that the credit bureaus conduct a full and proper investigation, requiring XXXX to provide all legally required documentation to validate the debt. 
- I seek compensation for any damages incurred as a result of the credit bureaus failure to investigate my disputes properly. 
- I request that all debt collection and reporting activities cease until full validation has been provided.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Transform Credit Inc. (GA)

On XX/XX/24 there was a credit card account opened in my name with my information without my knowledge. I have a credit freeze on my credit as well as a fraud alert on my credit. I was notified by XXXX on XX/XX/24 there was a change in my credit and to check my credit file. I checked it and immediately disputed it and tried to reach out to the company to dispute it with them as well. I have sent emails as well as tried calling the number provided for the company and no one has given me any information. XXXX has updated my file and stated that the company has reached out to them and verified the account. The company has yet to reach back out to me after many attempts at emailing and calling. I have filed a police report and have continued to try and dispute it again with XXXX. XXXX is keeping the account opened since the company has said that information was accurate. This is false because the company hasnt tried to contact me back from any of my attempts to reach them. I would like this looked into further and the account closed.
Consumer complaint received 2024-08-04
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. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

On XX/XX/29 I called MOHELA to get an update for my XXXX XXXX XXXX XXXX. I was on hold for XXXX hour before my call dropped then for another XXXX hours after calling back. I was at work. Once my call was received I was told that my loan was in default because I had not made a payment this month. When I asked how that was possible because I was enrolled in autopay, the agent told me that MOHELA cancelled my automatic payments on XX/XX/XXXX. I asked how they could do that without my authorization and she had no explanation. I was told I received an email. I was not able to locate an email with a notification. I was later told that they had no record of my autopay enrollment. I have been paying through automatic withdrawal for years and have had no trouble with my payments to MOHELA until now and have never had a late payment for anything. My credit score is nearly perfect. 

Coupled with that my XXXX XXXX XXXX XXXX status has also been a debacle. My application had been approved and my first loan should have dropped off this month. It was approved after having worked as a XXXX XXXX XXXX XXXXXXXX  teacher for a little over 12 years. I recently left teaching and am now employed as a XXXX XXXX XXXX employee. I was told that the payments I have been making were not counting towards loan forgiveness because I did not verify my employment with them. They were not able to explain to me, XXXX why I would need to do that since I have already verified over 12 years of public service, and XXXX. How I would even know they required me to update this information with them. What she did tell me was that I had deferred payments while I was in school, XXXX years ago. I told her that if I have been employed in public service for 13 years ahd have been making payments the entire time, how could I have not accrued enough payments for the forgiveness. Again, no response. I asked to speak to a manager but the agent was unable to find one and I could no longer wait on hold because my phone had no charge and I was not able to plug it in where I was taking the call at work. I was told a manager would call me in 7-10 business days.

It was also my understanding that as a condition of my loan that the forgiveness would be nullified if I had a late payment, one of the reasons I chose to enroll in autopay. I feel cheated and jerked around. I also feel that the long waits and lack of clear information is a way to not follow through with any loan forgiveness. Please help.
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Stellantis Financial Services US Corp. (TX)

I canceled my vehicles warrantee and had XXXX of XXXX send the refund check to Stellantis Financial Services. This check was sent on XX/XX/year> for an amount of {$3300.00}. After about a month of my principal balance not being applied from the check, I called Stellantis to see what the issue was. Nobody from Stellantis was able to locate the check ever since and this is the reason for my complaint. I could have had my car refinanced two months ago but due to this issue I have not been able to.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (MN)

On XX/XX/year> I opened a skrill account and I deposited XXXX XXXX from the bank account I connected and spent the XXXX just fine. I also already gave skrill all my documents so I was officially verified at this point. Then XXXX I get a XXXXXXXX XXXX deposit and I spend under XXXXXXXX XXXX  and my account gets restricted and the message states there's nothing can do it will be 24 hours for my account to be viewed and looked at and reactivated. That didn't happen after 24 hours they said by 72 hours your account will be unlocked. That didn't happen it's now been over a week. And now skrill says they have no time frame for my account to be unlocked. There is no way to transfer my money out or anything since it's frozen. I asked for a manager to call me today I never got a call back never got a call back.they say my account has been escalated to the highest priority case to be reviewed and unrestricted they say that everyday and nothing happens. My rent is late now and my XXXX XXXX XXXX XXXX XXXX XXXX is not a small amount of money to freeze for no reason and it's been a week all my bills are late. They don't care.
Consumer complaint received 2018-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Coinbase ( Coinbase.com ) has verified my identification via my photo-id and everything. I have some of my money stuck in my account because I am not able to withdraw using my bank. They required additional information like my SSN and address which I attempted to complete for the longest time. I emailed them ( over the course of 3 months ) because there are technical difficulties when submitting my information ( they use a 3rd party system to verify IDs ). Their system keeps saying they couldnt locate my id. I just want to take my money out of my account because i literally cant buy or sell on coinbase anymore because of their flawed 3rd party.