davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I had 4 loans and after making payments I paid one off in full. There are 3 left and Navient service of these makes it difficult to repay. For starters everytime I try to make a payment there automated system hangs up on me and it takes 45 - 1hr trying to reach an actual person. I should not have to beg them to take my  payment? Secondly I feel they illegally cheat borrowers out of repayment rights through shortcuts and deception. I have been provided bad information, they have been processing payments incorrectly, and failing to act when I complain. Im a struggling borrower who has been cheated out of rights to lower repayments, which caused me to pay much more than they had to for their loans. Navient repeatedly misapplies or misallocates payments. Navient steers many into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Navients emails and annual renewal notice sent failed to adequately inform them of critical deadlines or the consequences if they failed to act. Navient also obscured renewal notices in emails sent that did not adequately alert them about the need to renew. Severely and permanently XXXX  borrowers have a right to seek loan forgiveness under the federal Total and Permanent Disability discharge program. I have been almost XXXX by being XXXX and the school has not taken this into account. Navient has been in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.
Consumer complaint received 2024-04-05
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.
Consumer complaint received 2023-09-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

To whom it may concern. I have been a long time customer from macys. I never had any issues. Recently I ordered todler clothes. I con an email saying it's delivered at my mail box. Upon checking I didn't receive anything. I tried to resolve this with macys they dismissed me by saying there's nothing we can do. Your responsibility is to pay. Pay for something i.never received. It's unbelievable I need help please I'm sure this isn't legal.
Consumer complaint received 2018-05-09
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: EQUIFAX, INC. (VA)

Disputed two collections on my report from XXXX XXXX one for {$780.00} and other {$700.00}. I originally tried to contact XXXX XXXX, they where rude and cursed at me. I disputed the collections with Equifax came back as verified. I am not responsible for this debt it's not mine. According to the FCRA XXXX is to have on record the and report to me these inaccuracies within 30 days. I sent the Method of Verification for these inaccuracies, the 15 days to respond has long come and gone no reply. Equifax is violating my rights according to FCRA, to verify a inaccuracies, to have on record a copy of this on file, to report to me in a timely fashion.
Consumer complaint received 2023-10-14
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (MN)

Thank you for providing that additional information. Here 's a revised phrasing for your complaint, taking into account that you asked XXXX to disconnect the service : " About three months after signing up for XXXX 's Internet Essentials service, I received a phone call informing me that I owed them over {$600.00}, which was significantly higher than the expected XXXX XXXX  monthly charge. Upon receiving this call, I requested that they disconnect the service and retrieve their equipment, as the charges did not align with the agreed-upon service of Internet Essentials at {$10.00} a month and a 10-channel program for about {$11.00} a month. I explicitly requested no further contact, as the situation did not match our initial agreement. ''
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MO)

Citibank refused to close credit card and pretended that the phone disconnected when it didn't. Transferred to a total of 3 people to try to get me to not close the card. Unethical business practices. This call was made on XX/XX/2023 at around XXXX XXXX.
Consumer complaint received 2023-10-14
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The complaint relates to the purchase of open water scuba pool sessions at XXXX XXXX XXXX via XXXX on XX/XX/2023 for {$230.00} using my Capital One quicksilver card. 
XXXX XXXX XXXX : XX/XX/XXXX Description of the XXXX deal - Scuba Diving Certification for One This is the beginner entry into scuba diving. This open water class is a combination of e-learning and traditional classroom. Once completed you will have earned an open water certification that is nationally and internationally recognized. 

XXXX XXXX XXXX promptly requested my voucher number in order to give me access to the e-learning course and subsequently marked it as redeemed on XX/XX/2023 without scheduling the classroom training and certification classes that was part of the deal. See email attached. 

I made various efforts to contact XXXX XXXX XXXX via telephone, email, and XXXX XXXX, as evidenced by the enclosed screenshot of our interactions. Despite my earnest attempts, I received no response regarding the scheduling of the classes. 

I was hoping to receive my training within 30-45 days of purchasing the XXXX as I had a long vacation planned out of the country at the end of XXXX. At no point did the XXXX fine prints mention that I will have to wait for an indefinite period of time before I can expect the full and complete delivery of the services described. Regrettably, my attempts to secure a response from XXXX XXXX XXXX proved unfruitful via phone or online messages. 

I reached out to XXXX customer service who refused to return my money as once the voucher is marked redeemed they can not or will not assist any further unless I obtain written confirmation from the XXXX school confirming that the service was not provided. Needless to say, getting a response from the XXXX XXXX XXXX is impossible as they don'y reply to calls, texts or emails. 

So, I filled a dispute with Capital one as a last resort as I was still within the 90 day period and provided capital one dispute team with proof indicating that the service was not delivered as promised. However the Capital one dispute team decided to side with the merchant as the merchant had marked the XXXX as redeemed. 

My husband had purchased the sameXX/XX/XXXX with his XXXX card and he had the same problem. However, XXXX promptly refunded him the money and didn't wrongfully side with the merchant. 

I am requesting a full refund for the disputed charge, given that the services were not rendered as described under the groupon deal description, and the merchant failed to respond to my inquiries over an extended period and for the time, energy and stress this whole situation has caused me.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Citibank sent me a letter dated XX/XX/23 saying that they closed my checking account. The letter just says I should get my balance in XXXX days. 

Ive gone into several Citibank locations trying to get an approximate date of when theyll mail me my checking account balance of {$100000.00} I got your agencys information from the California attorney general when I sent a complaint there. Seems they dont generally handle these types of complaints.
Consumer complaint received 2023-07-12
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. (VA)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and found some errors in the reporting of XXXX XXXX XXXX XXXX XXXX. You are reporting information about me that is inaccurate. All the three credit bureaus are reporting different balances and payment information. This account has not been properly verified. Delete the following account immediately for failing to comply with the FCRA : XXXX XXXX XXXX - XXXX Thank you for your time, XXXX XXXX
Consumer complaint received 2023-10-14
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. (GA)

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. 
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 : 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 2023-10-14
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 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. 
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 : 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 2023-08-18
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: Experian Information Solutions Inc. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-10-14
Product: Credit card — Store credit card
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: SYNCHRONY FINANCIAL (TN)

im filing this complaint against synchrony bank specifically there synchrony home charge card. about 2 years ago i became victim to identity theft were several synchrony bank accounts were open to include rooms to go. XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX sams club. amazon.XX/XX/XXXXXX/XX/XXXX. at that time i did have 3 accounts with synchrony bank car care. care credit. and a conns home plus card. when i filed my dispute with synchrony bank it was a very long process of getting these accounts i did not open corrected i was in a battle with synchrony bank as even with a police report and a identity theft affidavit they refused to believe anything i had to say i was basically a liar and a criminal. it took me 2 years of fighting with them l finally got these accounts removed but synchrony choose to close my 3 accounts i did open i believe in a form of punishment for being a victim of identity theft. my biggest issue right now is with my conns home plus account which they closed removed from the system as i cant log into it customer service cant find it and my account number brings up nothing. i finally get someone on the phone who can locate my account which ive now been marked 30 days late as im unable to pay an account no one can find. the customer service supervisor explains to me that the account was closed and a new account number was generated as i was a victim of identity theft and i was sent a new card which i was never sent as they closed my account. they have me on paperless billing to a email address that belonged to whom ever stole my identity so im not receiving anything from them what so ever.
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I logged into my email this morning and saw that I was put into " Administrative Forbearance ''. After signing in and being the documentation, even though I am on the SAVE plan, the document shows that I will be responsible for the interest accrued. I didn't ask for a forbearance and under the SAVE plan interest is supposed to be waived. Not sure what is going on, but I just aXX/XX/XXXXXX/XX/XXXXchannel with many people saying the same thing happened to them.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX refusing to correct personal information. My correct name is XXXX XXXX XXXXXXXX I sent proof of residency and Drivers license. XXXX is reporting my name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX is reporting incorrect names also. I have sent proof of identity to them as well. My employer and address are correct. 
Experian has incorrect name and address. 
Proof of personal information has been sent to each Bureau. I have sent proof of personal information more than three times to each Bureau. Can you please help me to get my personal information straightened with each Bureau. Thank you in advance.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Re : Unauthorized Charge {$4100.00} on Citibank Creditcard No. XXXX I was bullied by Citibank into paying {$4100.00} to a contractor,  XXXX XXXX, on the above credit card, without my authorization. Citibank is not a court of law and has no jurisdiction to order me to pay any money to any contractor unless it is done with my authorization. Citibank 's bullying behavior violates the Fair Credit Billing Act. 

I hired XXXX XXXX to replace some windows last XXXX. XXXX quoted {$5100.00} for the job. I accepted the quote and paid a {$1000.00} deposit to XXXX on XX/XX/XXXX by charging the above credit card issued by Citibank. When the job was finished, I discovered many defects in workmanship and material quality. I complained to XXXX and was in negotiation for a settlement. But XXXX stole the number of my credit card and walked away with the remaining {$4100.00} by charging the card on XX/XX/XXXX without my knowledge and authorization. I noticed this unauthorized charge onXX/XX/XXXX and immediately alerted Citibank to that effect. Citibank responded by reversing the transaction and credited the sum back to my account on XX/XX/XXXX. While I thought the billing error was corrected, Citibank, for no reason at all, charged my credit card account again for the unauthorized {$4100.00} charge nearly two months later on XX/XX/XXXX and forced me to pay the sum under the credit card agreement provisions, which I paid in full on XX/XX/XXXX. Since then I sent Citibank numerous certified letters and emails to dispute this billing error and request for a credit of the money, but to no avail. Citibank 's last excuse for denying my request : " timeframe in which to resolve a dispute has passed. '' What a bully! Eight Exhibits are attached to substantiate my claim.
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (NY)

XX/XX/2023 Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, VA ZIP Code Re : ; {$17000.00} I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is a contractual obligation that is binding on me to pay this debt.

I disputed this debt because I don't recognize this debt. I made an agreement to settle for XXXX and paid in full to the NFCU representative over 7 months. I requested confirmation and have yet to receive confirmation of debt resolution.
Consumer complaint received 2024-04-05
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. (NY)

In accordance with with the Fair Credit Reporting Act this creditor has violated my privacy rights as a consumer. They are not reporting fair and equitable to ne as a consumer with regards to privacy and confidentiality 15 USC 1681 Permissible Purpose section 602 states | have rights to privacy, 15 USC section 604 A section 2 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 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MD)

I have come to the point where I have exhausted all other options of why American Express has not wanted to honor it's commitment to taking care of military soldiers. One of your campaign themes is honoring and supporting the military but when it comes to reducing the interest rates on your loans, you look the other way. This has at least been gross misrepresentation and neglect not to mention it is against the law. Not only have you done this over the last few years on my accounts but my wife 's as well who is a military spouse ( same household ). I have included some members of congress in the hope that they will ensure that American Express commits to actions versus just words. Included are my orders dating back to 2016 in which case American Express has given very weak answers as to why you can't reduce your interest rates to at least the required 6 % while a servicemember is on XXXX XXXX. I do recall many years ago, XXXX XXXX XXXX did this same thing and paid a heavy penalty in front of Congress and since they have gone above and beyond to take care of military personnel and I think now is the time for American Express to do the same. Listed on the last Fax Coversheet are all of my accounts with American Express as well as my wife 's in the hope that you will once and for all correct your gross mistakes. Attached are my orders that I am currently on dating back to 2016.