davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

My account with Chime was closed for no specified reason on XX/XX/2022. I've tried contacting Chime by phone multiple times and they're no longer accepting my calls and it takes days for them to respond by email about a dispute that was processed incorrectly by a banker, the final result of the dispute, and I've also tried reaching out to them for statements on my credit card account, checking, and savings, I have not heard back from them. I want a specific reason why my account was closed.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit report is reflecting on transunion, and XXXX that I have a late payment in XX/XX/2021. This information is incorrect. I have never had a late payment on any account and my payment history will show that. XXXX reflects that I made the payment on time. This error is affecting my credit score and my life. I would like this error fixed as it is incorrect and negatively depicts my financial behavior.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have recently been a victim of identity theft due to a data breach. During this identity theft two accounts where opened under my personal information on which do not belong to me. The following accounts are a result of that Identity theft and do not belong to me in no shape or form. Please block this account asap. Thank you -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NY)

This is the third time I am attempting to make a payment. The first time it told me that my payment was reversed from my bank account then I attempted to pay with my bank card and the message popped up that I can not pay with a credit card. This is ridiculous, I've always paid with my bank card and never had such an issue with this lender until I closed my account and all these fees and problems keep coming up. 
My bank card is listed as a debt card so this makes no sense
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NC)

There are a couple issues involved with this complaint about my federal student loans and PSLF : 1. I have federal loans from an undergraduate and graduate  education. As per the MOHELA website, my original principal balance I took out to cover these degrees was {$110000.00}. At some point during my education when I was on a forbearance due to being a student in school, a lot of interest was capitalized and added to the principal. The principal total is now {$130000.00} and I don't understand why. I tried calling Student Aid and MOHELA, and I was hung up on by the phone system because there are so many callers at once. I keep reading there is an XX/XX/XXXX deadline to consolidate in order to get a benefit or help for student debt, but the information online isn't clear about what I should or shouldn't consolidate, and I need more help than I'm getting from the website and phone representatives. I currently have 3 consolidated loans and I'm not sure if I should consolidate those 3 together into 1, or will that ruin my PSLF progress? Which leads me to the second part of the issue... 

2. I'm trying very hard to work towards Public Service Loan Forgiveness. I was laid off from my PSLF-eligible employer in XXXX  due to the pandemic and it took me 2.5 years to find another eligible employer full time, so I lost 2 years of payments. I called to ask if I could get credit for this time but I was told no, even though I've heard of pandemic credits being given out. Next year will mark 10 years since I graduated with a XXXX XXXX XXXX XXXX and I've been working for XXXX XXXX employers full times as much as possible -- except for the 2.5 years of the pandemic, and desperately need help attaining credit for those 2.5 years so that I can gain PSLF. I haven't been able to reach anyone on the phone because of the call volume.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I have been banking with NFCU since XXXX which is over 5 years now. A family member was seeking to open a bank account and I agreed to sponsor my family member so that they may open an account t with Navy Federal Credit union. On XX/XX/XXXX me and my family member went to the NFCU Beanch in person and he was able to open a checking and savings account. On XX/XX/XXXX I made an attempt to log into my NFCU online and app account and was given a message that advised me to contact NFCU. I contacted NFCU on XX/XX/XXXX and spoke with a supervisor by the name of XXXX, XXXX was very rude and disrespectful towards me from the very beginning. I then asked XXXX, why cant I log into my account and she stated that I needed to contact NFCU Security operations, I kept asking the supervisor to provide me with information as to why I wasnt able to gain access to my online account mans she said that I needed to just contact the security operations and that she could t tell me. This issue has tremendously caused me financial hardship and is causing me to get behind on my car payments, utility bills and access to any of my funds. I have a life savings of over {$50000.00} in my accounts and can not access those funds due to the horrible incompetence of NFCU and the unlawful and unexplained restrictions imposed on my accounts for absolutely no reason at all. I want NFCU to release my funds to me immediately so that I can pay my rent, utilities and my car payments. I also want to end my membership with NFCU and close my accounts and withdraw all of my funds and go bank somewhere else. NFCU is refusing to allow for me to end my membership and are holding my funds hostage at this time. I am seeking the assistance of this government agency to retrieve my funds from NFCU and for them to IMMEDIATELY RELEASE MY FUNDS.
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2024-08-12
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 am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2024-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against them.

My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member.

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am fully aware of the School Misconduct Discharge Pilot Program and I would like to participate in it. If you don't address this, Ill be reaching out to my state and federal legislators, and anyone else I can think of to get the ball rolling.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NV)

I have sent numerous letters disputing the late payments reported on my credit card account with this company, referencing the Fair Credit Reporting Act under - Timing of payments and - Permissible purposes of consumer reports.

According to the Fair Credit Reporting Act, a creditor may not treat a payment on a credit card account as late for any purpose. 
My records indicate that this company has reported late payments without the proper XXXX  day notice on top of the fact that this is/was an open ended credit account. Please correct this immediately.
Consumer complaint received 2024-04-17
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. (SC)

Last 2 times I called : Nelnet XX/XX/24- said would mail ( received only past 2 years of payments ) XX/XX/24 - Said I need to wait 14-18 weeks to receive information as they don't have it currently. ( Last time they said this, I waited and again only got back 2 years worth of history, not the history of the entire loan ). 

XX/XX/24 - US Department of Education stated they do not have this information and the servicer does.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

In spite of an exceptional credit rating per FICO ( three different banks say so, including CHASE ), CHASE bank closed all my credit card accounts ( 4 ) AND a checking account. Their " customer service '' agent said there is no appeal and no one can or will say why. 
After on-line search for similar complaints, I am sure that I have been " de-banked '' for my political views. 

This is clearly un-American but expected under the current administration.
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-15
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: Goal Structured Solutions, LLC (IL)

I have submitted docuents that all my XXXX loans had been repaid prior to a XXXX loan conslidation and that 2 other loans issued by XXXX had been dischagrged in a a XXXX XXXX  bankruptcy and that the loans that should be in repayment are loans with a disbusment date of XXXX or higher with the expection of the XXXX XXXX and the total amount for the XXXX consolidation should be XXXX or only loans assocaited with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I have not recived a call or any correspomndeence fro the departpatment of education since my inquiry back in XXXX and subswuent inquiry as outinined in attachements There seems to an issue on wether the XXXXXXXX XXXX  werer Priviate/ Altertative loans the gurantor states that they are Priviate/ Altertative loans. However regaldless the bankruptcy judge listed them on the XXXX dischagre papers and adversary proceeding was not required or necesaary as I was only discharging the XXXXXXXX XXXX  which I contend were provaite/alternive how does the gurantor of said loans try to take one to count in XXXX for non payment of said loans XXXX and Dept of ed have yet to expain why a XXXX XXXX XXXX  that was never funded / canacleed appreas on the XXXX when I never excuted or requested a that loan
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Fidem Baltimore Holdings LLC (TN)

I make my credit card payments on time and every month I get an email saying the payment is overdue and late fees have been assessed. Because I cant make payments through app or their website ( which I have repeatedly asked them to fix ), I pay directly from my bank account. Not only does my bank show they are receiving the payments, but they arent removing late fees or accrued interest fees once they credit payment. At this point, I believe at least a majority of the balance is fees because they didnt do correct accounting and are maliciously charging additional fees. Plus, I have rewards of over {$200.00} that Im not allowed to apply to the balance or collect. Up until XX/XX/2023, I was unemployed and awaiting an answer from social security. I was granted XXXX and I feel like what they are doing is hurting a XXXX person.
Consumer complaint received 2023-09-11
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Attempts to collect debt not owed ( debt was paid ) Section 16. Note Issues 1. Issuance of Federal Reserve notes ; nature of obligation ; where redeemable Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX XXXX XXXX XXXX XXXX, or at any Federal Reserve bank.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Consumer complaint received 2024-04-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I started receiving late fees at the beginning of XXXX of XXXX. My same payments have been delivered consistently for months. From what I see, when my bank says they delivered the payments ( which are automatic and occur every month ), the posting on Synchrony 's app happens at the same time. The issue is, they're charging me late fees based on the time it takes THEM to process my account. I have proof from my bank, on the dates the transaction happens, and when the payment was delivered and they have matched up to the dates on Synchrony 's mobile app. Except, in XXXX, my payment was delivered by the XXXX of XXXX, the due date is the XXXX, and Synchrony processed it on the XXXX, thereby charging me a late fee. Because of this late charge on their end, they've continued to charge me late fees every month as a result. Again, when I review Synchrony 's mobile app, every date that they have received my payment matches to my bank account directly and I can provide this proof. However, i'm being punished because they processed a payment, that they've had since the XXXX, on the XXXX, when my due date is the XXXX. I also had this issue last year. I was paying them on their due date, and every month, they received the bill from me on their due date. However, even though dates aligned from what I can see, I've been charged months worth of late payments because I didn't send them their payment at the beginning of the month. This all sounds very questionable to me. I would have liked to see the differences from last year too, but I can only view up to XX/XX/XXXX through the mobile app unless I request to go paperless, but I really don't trust this bank at this point.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (CA)

XX/XX/2024, I received my consumer report and found items that are reporting negative. My information has been involved in a data breach and someone has been using my personal info for their gain. 
Please delete this account immediately, because it is affecting my mode of living and is hindering me from obtaining housing. It is causing me mental and health issues. Please investigate and delete the account below from ALL consumer reports for good. See attachments for police report as evidence of my claim. 


1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3 XXXX ) XXXX XXXX