davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (TX)

On XX/XX/year> I opened a checking account with PNC. On XX/XX/year>, I deposited a check from XXXX XXXX  for {$21000.00} from my attorney for a car settlement. I was then notified that a hold was put on the check. The check cleared several days later.They informed me that they are closing my account and that they will send me a cashier 's check. They are still investigating my account and have put a hold on it. They can not tell me any information as to when the hold will be removed so that I can get the check. I am a single mom and need the money to support myself.
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

I did not receive any official notification from American Education Services to state l did not qualify for the COVID- 19 Government Forbearance initiated by Fed Government in XX/XX/XXXX and ended on XX/XX/XXXX Missing payments on the loan should not be held against me as an American Citizen I thought I qualified for this government forbearance like everyone else Therefore l am asking that the derogatory mark on my Credit Report be removed by AES company and be removed from the office of the US Department of Education as well
Consumer complaint received 2024-09-09
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. (MS)

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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not been informed that this is the case I am going to end up with with my attempts to dispute these accounts that are affecting me financially, mentally and emotionally - so here I am writing once again, asking if you could just look through my case and investigate the accounts that I am asking for you to verify the accuracy and remove once done. It has come to my attention that I am not getting a response from your company and it frustrated me especially as someone who is thriving hard to get through a day.
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WESTERN ALLIANCE BANCORPORATION (CA)

around XX/XX/year>, XXXX XXXX XXXX  ( XXXX ) sold the mortgage on my rental property to Western Alliance Bank. I had Automatic draft setup with XXXX XXXX XXXX  company and that Automatic Draft did not transfer over to the new Western Alliance company and I did not realize that was the case. Due to the change of Mortgage company , the payment was delay for over 30 days and they have reported it to the credit bureaus. I have several mortgages and I have never been late on any off them before. Western Alliance Bank refuses to fix the reporting since it was a delay in payment, not refusal to pay. The Automatic draft should have taken place and it did not, therefore causing delay in payment for the XX/XX/year> payment. One single delayed payment is impacting my ability to obtain mortgage on a new property. This is not fair considering the delayed payment was an oversight and due to them not automatically drafted. thank you.
Consumer complaint received 2024-09-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Kiavi, Inc. (FL)

XXXX loaned us money on XXXX houses. On the last house we had a rehab budget of XXXX and signed it in the title office and we have proof. The title lady looked it over and said they awarded us the money. When we went for our first draw and they would not give us a draw and said it was not approved. This sent our business into a spiral. We no longer had money to operate. We fought and fought trying to pay and keep up with our payments but could never catch back up. They are directly responsible for us not being able to pay our payments and now are foreclosing on all the houses.They acted in XXXX XXXX and we have the proof. XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (SC)

Santander Consumer USA was reporting information to XXXX, XXXX and XXXX ; who were then reporting false and inaccurate information on my credit report. Santander was reporting that I had a balance of over {$150000.00} for a used XXXX XXXX 2017. I have already invested over {$15000.00} into the vehicle with a remaining balance of around {$11000.00} and them reporting that I owe over {$150000.00} has hurt my ability to get other credit lines because of the debt to income ratio. I have tried through the CFPB, also through calls to the company with no avail until last week when I filed a complaint with the attorney general, comptroller and left a review with the XXXX. Then when I called Santander back and told them about my complaints I was forwarded to the correct department finally " The XXXX XXXX '' who esculated my call and since then XXXX has corrected the information on my report. However, today I received a response through the CFPB from XXXX still stating that the infomation is verified through Santander which is a lie. Misinformation is false or inaccurate informationgetting the facts wrong. Disinformation is false information which is deliberately intended to misleadintentionally misstating the facts. According to FCRA XXXX that is a willful violation on behalf of XXXX and I demand compensation. And if they have corrected the information and aren't publishing their fault on the CFPB by stating that they are sending a letter they are not being fair and are in violation of XXXX CFR XXXX and they are committing language fraud violating XXXX XXXX XXXX. I've attached my credit reports from all XXXX credit bereaus proving the reporting of wrong information.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates ( XXXX Resorts In XX/XX/year> and XX/XX/year> ). These CAN NOT be accurate because both the XX/XX/year> and XX/XX/year> late payment says they were both 120 days late but on XX/XX/year>, it shows that the payment was made on time, which is CLEARLY INACCURATE. I demand these payments be updated to paid on time immediately or that the entire account be deleted. Thank you
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 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 2024-06-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

Navient has been sending a select number of borrowers the school misconduct discharge application. I did not received this application by Navient instead Navient questioned who had given me the application to send in. The project on predatory student lending group sent me this application and I sent in 114 pages of supporting documents with the 12 page application. I was a student at XXXX XXXX of design in XXXX with my original loan taken out by Sallie Mae. In the paperwork, you can see that at the age of XXXX there was no XXXX then and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX school told me I was not eligible for a loan, the financial aid department coerced me to sign my mother signature as a cosigner. My mother was aware they had me do this. I asked if I was able to bring the paperwork home they said I was not able to bring it home, and had me sign for her. This school closed in XXXX. I sent supporting documents for my approval by XXXX XXXX and that I am part of XXXX XXXX XXXX  settlement. In XXXX, Navient had me refinance to remove my mother as consigner, this was the only way the would remove her from my loan. Navient had never told me that refinancing would make me Ineligible for any sort of forgiveness. My first phone call to Navient after I submitted my application, I was told there was no documentation that consolidating with Navient made you in eligible for school misconduct relief. I called a couple days later and that rule had quickly changed. They told me that my loans were not eligible, even though I had so much proof of school misconduct. Today after I called to beg them to tell me what to do and how to receive relief I was told this is a new program and the rules keep changing. There are so many things wrong with this Loan that I have been struggling with for 20 years. Please, someone help me.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Consumer complaint received 2024-09-09
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. (NJ)

This account has been charged off on the following date : XX/XX/2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. After several attempts to have it properly investigated, my request was neglected and has violated my rights. I am demanding a deletion of the follwoing account : Account Name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/year> I Disputed The JPMCB account reporting on my credit report to credit agency 's as ID theft. Credit Bureaus validated this account is not mine and removed it from my credit report. 
XX/XX/year> JPMCB - XX/XX/year> JPMCB Account was removed from all credit reports. 

XX/XX/year> JPMCB account was readded again on my credit report as a charged off credit card. Without a written notice from any credit Bureau that it was being added back. 

Disputed with JPMCB stated that the charge off account is not mine never received response.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened new checking account with the advertisement saying I will get the {$500.00} signup bonus when I meet the requirement, but after meeting the requirement they are not paying me signup bonus. I have replied to their initial response where they are saying incorrect promo than what I have been told or opened with, and not seen any response from the bank.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

on XX/XX/XXXX i wrote checks too electric company and 3 other bills XXXX XXXX there was no money taken out of account but i added XXXX dollars in to account at XXXXXXXX XXXXwell later that day i got a messagesaying there was not enough money in account well i called navy federal about this.i explaind all this to rep and was told check was returned on the XXXX i asked why was i told about this almost 2 days later and too let you no it did not show up on online bankingit was not put on register till the XXXX the XXXX i called XXXX  my electric company so i could pay bill, well they would not take payment saying bill was paid i was like what i did not understand any of this. well XXXX forward till XX/XX/XXXX and XXXX  calls with check bounced i asked them when were you notified of this they said on the XXXX of XXXX well navy federal said i had low funds XXXX the XXXX i asked XXXX  it took them 5 days to let you know the check bounced. this is not the first problem with this bank one time i called to get bank records and they sent a whole different persons bank records i should of left them at that moment
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

LVNV is a 3rd party collection agency that I have not had any business with ever in my life. This company verified this debt by supplying transactional statements provided by an alleged previous creditor. They did not provide me with a contract with any signatures of authorization for the opening of this fraudulent account. LVNV does not even have a license in the state of Michigan to even collect of any debts they may have purchased. Please assist me in removing this fraudulent account from my credit reports. They are also infringing upon my copyrighted and trademarked name. I do not consent to them using my protected information for use in commerce without my written expressed consent. I request that LVNV provide me with the purchase agreement that gives them authority to collect on this fraudulent debt. If unable to provide me with proof of authorization, I am requesting that this account is immediately removed from my reports for their lack of authority. The information on the reports does not match up with the 3 major credit agencies. Please correct this invalid account by removing it completely. They had several opportunities to update during previous investigations. XXXX investigations later and the information is still inconsistent neither is it accurate. Please see attachments of the inaccurate information.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NJ)

I never opened this account or had this card, I requested to remove this account from my report and it still showing. 
I sent my police report XXXX of XXXX Police Department XXXX XXXX XXXX on XX/XX/year>. 
I am a victim of identity theft. 
Please, update this info ASAP
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-07-11
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2024-06-10
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. (IL)

I attended XXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX where I received a " degree '' and was promised that I would be able to find a job after completing school. I found a job on my own that paid {$14.00} an hour. My monthly student loan payments were $ XXXX {$500.00} a month. I knew this couldn't be sustained so I got a new job and worked a lot of overtime to pay these loans down. 

I'm proud of myself for being able to do that, however it would appear that if I didn't pay those loans I would just be forgiven today? 

How is that fair? I did what I was supposed to do and then some. I worked my XXXX off to do it. This whole process has kept me back financially for most of my adult life and I would just appreciate the same kind of help that is being provided to people who have not paid off their loans or not paid their loans at all. 

This is a breakdown of my XXXXXXXX XXXX loans with Navient : Principal- {$6700.00} ( Interest {$4600.00} ) Principal- {$9100.00} ( Interest {$8100.00} ) Principal- {$14000.00} ( Interest - {$16000.00} ) Navient 's response was this when I inquired about receiving some form of refund : " Thank you for contacting us regarding school XXXX XXXX XXXX XXXX 
In order to be eligible for XXXX XXXX XXXX, your loans must still be active with a balance. Refunds for private loans are only issued from the date the application is received on active private loans to the date the application review is completed. 
We appreciate the opportunity to serve you. '' Understandably, issuing a refund for the principal OR the interest accrued would be huge for my family and I. I'm not asking for the whole amount to be refunded. I just feel XXXX  because I took the initiative to pay off my student loans and now Navient is issuing refunds to people, but only if they have active loans. My loans would still be active today if I did not make large payments to pay them off. 

XXXX XXXX was shut down on XX/XX/XXXX. When I inquired about it back then Navient shut me down because they were private loans. Obviously, now things have changed. 

From XX/XX/XXXX to XX/XX/XXXX I paid Navient {$24000.00} for a student loan that got me a a degree that is completely useless. Navient wouldn't help me back in XXXX and they won't help me now.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I am writing because I noticed Wells Fargo reporting late payments on my credit report. 

Upon reviewing my credit report, I noticed that late payments have been reported. However, according to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1666b, creditors are prohibited from reporting payments as late when they have been made on time. I firmly believe that the reported late payments on my account were, in fact, made on time and have adversely affected my credit score. 

The impact of these incorrect late payment reports has been significant. My credit score has suffered, resulting in higher interest rates on loans and credit cards, and it has hindered my ability to secure favorable financial terms. This has caused undue financial stress and hardship.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$11000.00}
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I opened a loan with XXXX for {$330.00} on XX/XX/XXXX. It wasn't reported on my credit report until XX/XX/XXXX and by then I had already paid the loan in full ( payoff date : XX/XX/XXXX ), but it stayed on my credit report until XX/XX/XXXX as an open outstanding loan. I had not yet contacted the company because by the time I noticed the error, it had finally been reported as closed and paid in full on XX/XX/XXXX. I would not recommend this product or service to anyone. It's a bad financial product and you can't trust them to accurately report on your account.