davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

My daughter under direction of her father and boyfriend was advised to apply for private student loans for college, they cosigned for XXXX and I was forced to cosign for another. I was never provided a copy of the actual loan terms or the fact that the payment would never be based on her income when it came time for repayment. She is XXXX and working part time due to her current medical condition and can not make the payment amount they are requiring ( $ XXXX/month ). In 2016 she paid almost XXXX in interest alone and only XXXX is tax deductible. If I would now begin to assist her with these payments I can not deduct any of the interest. I just want her to have the entire loan amount renogiated for a reasonable interest rate with the payments based on her income. If I could also have this removed from my credit that would be good since this was not a loan I had full disclosure on and now my credit score has been so damaged that I can not get a car loan and I am now constantly harassed by Navient phone calls. Please help. She is XXXX yrs old and entirely on her own, without some real help, she will never be out from under this burden.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA (AL)

On XXXX I was alerted that loans with Mohela had been taken out under my identity. After several attempts of trying to contact Mohela I finally was able to a representative via phone on XXXX. She told me that loans associated with my SSN and name had been open XXXX -- XXXX and paid to XXXX XXXX ( telephone XXXX ). The email, address and phone associated with the account were fraudulent and not associated with me. When I told the representative, she said that she would change this in the system and update their records. When I tried to explain this was fraudulent she directed me to contact Federal Student Aid to close my XXXX and XXXX and she just updated the account on Mohela to reflect my current address. When I attempted to contact FSA they said this isn't something they can do. I have been unable to get another representative from Mohela to contact me without making an account on their website. I have now reported to the FSA ( XXXX ) and the Dept of Education.
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (NJ)

This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I already have an OPEN complaint  XXXX  I have finally established the previous  XXXX  that was 'lost/held in limbo ' was due to an routing number error. Not my fault as I used the same mobile payment system as before. Anyway I s ince posted 3 payments in various amounts to check CITI 's payment processing system. So one p ayment for {$23.00} posted within a day of submitting - payment o f   XXXX   XXXX   posted  XX/XX/XXXX  is  as of today was still being HELD. After a lengthy phone call  to 2 ag ents I was informed it should clear by th e  XX/XX/XXXX .  Thats is absolutely ridiculous. Another  XXXX  posted   XX/XX/XXXX  apparently will clear  XX/XX/XXXX .  I do not understand why my card payments are not posted instantly and reflect in my available credit right away. I can understand  a 24hr  wait but days almost weeks is not acceptable.   I have asked them to call  XXXX  and release the  XXXX  ASAP which they are doing as I type. I am in  a 3 w ay call with my ban k and Citi and I am fumin g why if  XXXX  cleared my bank on th e  XX/XX/XXXX    Citi are  not posting it to my avail. credit. They assure me it wi ll ASAP . However why do I have to go through this process.. all because they say a payment was returned - it was n't returned  by my bank CITI returned it. I have now linked another bank just to see if that pr ocesses quicker but apparently not. I just want to establish how to CLEAR whatever issues they have so I can post my payments in future and they are debited against my card and credit within a reasonable time frame, preferably instantly. ( as did the {$23.00} I paid with the same bank and same mobile app ) THANK YOU
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (VA)

Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also not reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts. 

Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.

While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report.

Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts. 

I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated. 

Thank you for your immediate attention to this request. I anticipate your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo falsely repoed my XXXX XXXX because their computers glitched is what the letters stated. I had less than {$14000.00} more to owe on this XXXX XXXX civic before it got repoed. During the repo incident I purchased A XXXX new XXXX XXXX basic and the dealership tacked on the fees so a XXXX vehicle cost me XXXX because of this repo. This glitch has put me in a bind and didn't even pay for the emotional stress it put me in. I'm asking for them to pay off my vehicle like they should have in the beginning. This caused me to pay {$700.00} a month on this vehicle. This has caused me so much damage financially. 
Wells Fargo sent me a check for {$15000.00} and explained why the compensation was added. All of it was put towards the XXXX, leaving me with a balance of {$10000.00} for the XXXX XXXX. I'm asking to pay off the rest of the balance because this repo should have never happened
Consumer complaint received 2023-11-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I am writing to dispute the inaccurate information on my credit report. I have carefully reviewed my credit report, and I have identified an error in the reporting of late payments on my account. 
TOYOTA MTR XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the late payments reported are inaccurate. The account in question has been settled and closed, and there should be no record of late payments after the settlement date. 
I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (NY)

Once again everyone 's research ( XXXX, XXXX Bank ) points to FISERV as being the culprit which continues to arbitrarily, capriciously, and without punishment blocks our legal fee payments from customers and clients, further driving our law firm into bankruptcy ( XXXX case index no XXXX and XXXX ). 

This all the while CFPB and other agencies still have our open complaints against FISERV open, and unanswered. 

Please get on top of this immediately.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

Ive tried numerous times to contact Citi Bank XXXX XXXX XXXX account # ending XXXX & Citi Bank Diamond Preferred Card account # ending XXXX with my XXXX XXXX XXXX who is the legal authorized owner of these 2 cards so this wont be an inconvenience & affect me because they keep reporting to all 3 credit bureaus that I am the owner of these credit cards. We both have talked to them to try to come to a resolution with this very sensitive information & there hasnt been a proactive action in behalf of CITI BANK!! NOT PROFESSIONAL AT ALL!! Ive also sent out his card statements to the bureau with legal documentation & also nothing has been done because they keep saying Citi Bank keeps reporting that i am the authorized user. The only thing Ive done is help my father make his credit card payments through my accounts because he is XXXX  and has financial difficulties according to his fixed retirement income. If I am helping him at times make payments and thats not my account why they keep reporting & verifying as they say that those credit cards accounts are mine? Why? I dont understand. I am reaching out concerned about how they are handling sensitive information. How about if I wasnt his son? Or if it happens to someone else? They proactively are quick to report but not proactively in helping me resolve this major problem. Thats my reason for reaching out to you all so this wont happen to anyone else. I am willing to show any legal documentation that you need in order to be proactive and move forward to solve this problem!!
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CA)

I previously disputed the lates and asked for it to be corrected with no reply from company my wife is ill for the last 4yrs and her health will never improve her diagnosis is XXXX  i never was 30 or 60 days late I paid my account 7 days before it would be 30 days late including 10 days on shorter months which technically is not 30 0r 60 days late yet they continued to report consecutive lates I would would like my credit report on all 3 credit reporting agencies corrected
Consumer complaint received 2024-03-15
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. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 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. 

XXXX XXXX XXXX XXXX : Account number XXXX XXXX  XXXX : Account number XXXX XXXX XXXX  : Account number XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : Account Number XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX  : Account Number XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I got my first car in XXXX with credit acceptance the the vehicle had water damage which I didnt know until after purchasing the vehicle in XXXX I decided to voluntarily repossess the vehicle the company sold the vehicle the same year the balance they are reporting to credit bureaus is the incorrect balance and strongly effecting my credit the balance shown is what the car cost when I financed it the vehicle was sold nothing was left there was no balance I dont understand how they can do this I made a down payment and made payments while having the vehicle there is no way I still owe the same exact balance from when I finance the car the company is cruel and reporting wrongfully
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

XX/XX/XXXX. Tried to make a purchase in my XXXX XXXX account. Purchase later denied. Spent one hour with three customer service reps who could not help me. Finally, the last rep of the evening told me I could not purchase gift cards with a gift card, especially American Express gift cards. He then told me I could make purchases with the card. I told him I would do that the next day. The next day ( XX/XX/XXXX ) I purchased XXXX items with the gift card on XXXX. A wine cooler, insurance for the wine cooler and XXXX small items. The insurance was accepted on the card. The wine cooler was denied, and it appeared the XXXX small items would be approved, but they would not be processed until XX/XX/XXXX. After denial on the wine cooler, I again spent 30 minutes or more with an XXXX rep who canceled the wine cooler for me, sent a letter to the insurance to have it canceled and I myself canceled the XXXX small items. I was told in an email from the insurance company, my balance would be reinstated. 
back to my Amex gift card in 3 to 5 days. I find it utterly unbelievable that American Express has no customer service in regard to this card. I finally went through American Express ( as I am an American Express card holder ) and learned they are not much help either, they could not give me a list of places I could use it, they could only tell me no - to places that I ask about. We are XXXX, this was an anniversary gift card from our daughter. We dont have time to go around and figure from store to store where we can use this card at. what can we do? 
Thank you! 
Regards XXXX XXXX this gift card is {$200.00}
Consumer complaint received 2023-07-31
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. (TX)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED 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
Consumer complaint received 2023-11-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2023, our high-yield savings account with Synchrony Bank was flagged for suspicious activity, and the account was restricted ( frozen ) until a review could be completed. We explained that we were aware of the reason for the bank 's concern and that it was a misunderstanding. 

After more than six months and 15 phone conversations with Synchrony representatives, the account is still frozen, and we have repeatedly gotten the same response : The account is under review and no other information is available until the review has been completed. One representative in upper management added that the review team was short staffed, so it was taking longer than usual.
Consumer complaint received 2023-07-11
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. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts 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
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding Breaking the law LVNV Funding sued me for a debt that I had requested more than 5 times for them to confirm that this debt was mine, I sent my letters certified. They never responded and then would just sell the debt to their other companies names, XXXX was called Resurgent Capital Services. I actually sent them verification/ validation letters as well. And again they never validated the debt. 

Even when they served the paperwork at my sons house by putting the paperwork on the front door, the information on that is wrong as well, They have an address that is more than XXXX XXXX XXXX with the current charges before being charged off. How do I know that that this is my account, nothing seems right. They actually fraudulently changed the address on the paperwork, it is incorrect and all invoices are mailed to me. 

Lvnv funding breaking the law Examples of false or deceptive statements XXXX XXXX are not allowed to falsely claim or imply that : Documents that they send you are legal documents if they arent- lvnv funding falsified documents and left on my sons front door, I have never lived at that address. I hired an attorney who did not do their job. I told them LVNV never verified.

Also the person that LNVN hired would call and say they have a gift for me. Yea right.