davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

In the second week of XXXX we decided to remodel our bathroom. We Lowes sent us to their partner XXXX XXXX. We received a contract with a price that included a 10 % discount because we would finance it through a MyLowes card. After signing the contract we when through the process of getting a MyLowes card through Synchrony Bank. They gave us a {$4000.00} credit limit far below the {$12000.00} required to fiance the remodel and qualify for the 10 % discount. Since Lowes/Re-Bath/Synchrony was not going to do the work for the contracted price, we considered the contract canceled. Just to make sure we sent a cancellation notice by E-Mail and postal letter that day which is within the three da grace period required by California law.

Telling the customer that the contracted price is going to increase {$1000.00} after stating the price and signing the contract is obvious " Bate and Switch ''.

We also requested that Synchrony provide us with a way of getting a free copy of the credit report used to deny us credit. They told it would be in the letter they were sending to. ( Actually a electronic message through a difficult to use system. ) The letter did not contain this information.

Two issues : 1. The bate and switch.

2. The refusal to provide credit reporting information as required by law.
Consumer complaint received 2023-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CO)

This is an update to complaint XXXX. In the companies response to the complaint they reported to the CFPB that {$3600.00} was given as financial compensation. This is incorrect, the {$3600.00} went to the old homeowners via XXXX. XXXX refunded that amount to the old homeowner as a result of M & T paying the old homeowners insurance along with my XXXX  insurance. M & T Did refund the amount charged in error to my mortgage, refunding payment taken in error does not count an compensation. I'm aware that M & T lost this money because they were not able to recoup the money for their mistake through XXXX. But this doesn't count as compensation either, the payment didn't go to the party who was affected by their error. I'm out weeks of time getting my loan assumption squared away. I have lost money through not being able to obtain a loan as a result of their errors, I have an issue with this being reported to the CFPB an compensation.
Consumer complaint received 2023-10-30
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. (NY)

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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 : Also states a consumer reporting agency can not furnish an 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 2024-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to complain unauthorized inquiries on my credit report. After reviewing my credit report, I have identified inquiries that I did not authorize or recognize. These inquiries came forth despite a fraud alert place by the reporting agency Transunion with my contact information, all of which was not recognized despite their own policies. I request that these inquiries be removed immediately according to the FCRA sec 604 ( f ) and lack of permissible purpose. The unauthorized inquiries are listed in full detail in the attached supporting documentation.
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (FL)

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 XXXX and XXXX XXXX Now XXXX XXXX XXXX XXXX ). As a matter of fact XXXX  and hundreds of other schools were recently sued in the XXXX XXXX XXXX XXXX. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX, and my Federal loans of roughly {$80000.00} were discharged, yet I still owe almost {$20000.00} in private loans due to the schools high pressure tactics to take out an extremely high interest private loan to pay for my classes. 
My Borrower Defense Claim was also part of the XXXX  XXXX. XXXX 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 XXXX 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 XXXX 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. Senator 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.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (CA)

XXXX XX/XX/year> I received my credit report and notice there was some fraudulent accounts that was not open up by me. I called XXXX XXXX XXXX XXXX XXXX this derogatory account. They asked for documents to support my claim and I sent them an FTC report notarized for account XXXX XXXX. I have not gotten a response as of yet. Someone used my social security number for their personal gain illegally.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX electronic billing system stopped sending out bills last summer. They did not contact me in writing until after they issued a negative credit reporting from XXXX XXXX after the accounting billing was corrected and paid. XXXX XXXX refuses to correct the record for my account XXXX and continues to report late payments when nothing is due. 

I submitted a written request by Certified Mail to XXXX XXXX for the lack of current billing and account information provided by XXXX XXXXXXXX and they should have made the correction to remove the negative record last XXXX, and they still have not done so.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-04-18
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

The crediit reporting agency assumed I was disputing an account that was SHOWING on my consumer report. 

Which Im requesting an account SHOULD be reflecting on my consumer report that is XXXX Ive provided all proper documentation thats needed to update the account on my consumer report
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXX, XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-04-18
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-04-18
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I am writing to file a formal complaint against Navient due to a series of unfair, deceptive, and abusive acts and practices that have significantly impacted my financial stability and personal life. As a XXXX XXXX, these practices have also jeopardized my ability to maintain my security clearance, directly affecting my career And duty. 

1. Harassment and Coercive Practices : Navient has persistently made harassing phone calls demanding payment, despite my clear financial constraints. Their representatives have advised me to reduce my basic living expenses and even suggested that I borrow money from relatives to meet loan payments, showcasing a lack of consideration and ethical lending practices. 
2. Unreasonable Settlement Offers : On multiple occasions, Navient has pressured me to accept settlement offers that were not financially feasible. They presented these offers as once-in-a-lifetime opportunities, using high-pressure tactics to coerce acceptance. 
3. Invasion of Privacy : Navient has overstepped boundaries by contacting my family members without my consent, seeking personal information and payment towards my student loans. This not only breaches privacy norms but also places undue stress on my family relationships. 
4. Educational Institution Misconduct : I attended the XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX, a school that has since been closed due to predatory and illegal practices. The loans for this institution, initially serviced by Sallie Mae and later by Navient, have been a source of continual struggle due to the deceptive circumstances under which they were promoted and agreed upon. 
5. Discharge Under BDTR : My federal loans have been discharged under the Borrower Defense to Repayment ( BDTR ) due to the recognized misconduct of my educational institution. However, the ongoing issues with Navient, including their handling of my remaining loans and their aggressive collection practices, continue to cause significant personal distress and financial instability. 

These actions by Navient represent a blatant disregard for borrower rights and protections that are expected from a federal loan servicer. Managing these loans under such aggressive and unethical tactics has not only financial implications but also potential long-term effects on my career in the military. 

I urge the CFPB to investigate these practices and to hold Navient accountable for their actions that are contrary to the principles of fair and ethical lending. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-01-27
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. (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I'm trying to get my free credit report but the site is not working and gives me an access denied error. I've talked to some representatives and they said to file a complaint. I'm living overseas right now so I think I'm being XXXX blocked. 

I'm also having trouble getting my free XXXX score as most sites require a sign up and a XXXX phone number, which I don't have. 

I have the same issue trying to verify my IRS account... is there a way around this? 

How can I get a valid XXXX phone number overseas ( XXXX )? A lot of sites seem to require it. I'm unable to apply for banks, credit, loans, etc.
Consumer complaint received 2024-04-18
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. (GA)

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 2024-04-18
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-01-10
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)

XXXX XXXX XXXX  Account # XXXX Amount : {$110.00} XXXX XXXX  Account # XXXX Amount : {$140.00} XXXX XXXX Account # XXXX Amount : {$2300.00} XXXX XXXX Account # XXXX Amount : {$270.00} I contacted this creditor ( XXXX XXXX XXXX ) on XXXX XXXX XXXX XXXX XXXX which is also the number that is furnished at the bottom of my consumer report for me to contact regarding this account. I requested to speak with a supervisor and explained I have not received a 1099-C form due to the account being written/charged off as loss/paid debt. It will then become taxable income for me to file which is prohibited to furnish taxable income on a consumer report per FCRA. The supervisor stated the account has been turned over to a collection agency known as XXXX and he can not provide me with additional information due to no longer owning the account. He then proceeded to transfer me to the agency. The line had given a busy signal and then disconnected. I then tried contacting them directly with the number the supervisor provided me which is XXXX and it never rings only to provide me with a failed call message. I would like this account to be removed from my consumer report as it is hurting my chances to obtain credit or continue with my homebuying process. I would also demand for the additional accounts that I have listed above to be removed as well due to not receiving a 1099-C form, the account being listed as charged off and the creditor not being able to provide me with additional information. These accounts have been disputed in the past beginning XX/XX/XXXX as well as validation of debt letters sent directly to the creditors on XX/XX/XXXX with no response.