davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (MD)

This complaint is more of just an FYI since I don't expect anything to happen as a result, but I just wanted to voice my concerns in response to the XXXX article regarding Navy Federal. 
Here is the article : XXXX XXXX XXXXXXXX My primary concern is that in XX/XX/2021, my wife and I applied for a Navy Federal loan so that we could renovate our primary bedroom 's bathroom. We were seeking about $ XXXX, if my memory serves me. Mind you that we both at the time had credit scores well above XXXX or in the XXXX range, yet our loan was denied. 

As an XXXX American and retired XXXX veteran, we were insulted when we received the denial news from Navy Federal because we had never been denied a loan from any bank in the past and couldn't understand how it was possible ( given our credit scores ) we would have our loan denied. We did not contest it and just moved on because we only intended to use the Navy Federal loan as a bridge to pay for the bathroom renovation, while we waited to receive other funds from my retirement account to be processed. Our intent was to pay off the Navy Federal loan once my retirement funds were received, which we anticipated would occur within 2 months of our loan application. 

I don't expect any action from CFPB, but I wanted to go on the record after seeing the XXXX article today.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

My loan is with Navient. For the past several moths I 've been having issues getting to my information then found out is was incorrect in their system. My social security number and account number is under someone else 's name and birthday they refuse to help me correct it or and gave me abother number to call but it was automated and could n't get me anywhere. I 'm suppose to make a payment on XX/XX/XXXX but ca n't because I ca n't get into my account but yet when they send me bills my information is correct. Ive also tried to lower my payments because with all my other bills i struggle to come up with that much extra money, but they have told me i have no other options and havent even tried to work with me. Ive even told them that im about to go through a divorce and will be a single mother making uner XXXX a month and they told me there was nothing they could do. I 'm not sure what to do at this point.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Identity theft. On XX/XX/XXXX around XXXXXXXX XXXX and on XX/XX/XXXX around XXXX, someone opened checking account in Bank of America using my SSN and name XXXX The first fraud online application has confirmation number as XXXX, and the second fraud online application 's confirmation number is XXXX. 

I called the Bank of America on XX/XX/XXXX and XX/XX/XXXX to closed those two fraud accounts.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I refinanced my student loan in XXXX of 2007. I have been making on-time payments on this private student loan for more than 10 years. Recently, another company began claiming that I owe THEM a balance for an additional private student loan. They are claiming that my loan was " paid forward '' 10 years, and that it was not in fact " paid off '' when I refinanced my loans via another company. This information was never communicated to me. In addition, the amounts they are claiming I owe do not match. There are typos in their correspondence that makes it very unclear what the actual amount " owed '' is. They refuse to tell me who " paid this loan forward '' 10 years ago. They have provided no proof that this is a valid debt owed, other than single page letters with simple verbiage saying that it is valid. There is ZERO documentation to show a history of this account or signatures of any kind. They sent a promissory note that says the loan is owned by XXXX XXXX, no mention of their company name, Navient. The amount shown on the promissory note does not match anything else I have either. In trying to talk with them to understand what is happening, they simply tell me that I must pay them in order for them to help me. This appears to be completely fraudulent, and they have provided absolutely nothing proving otherwise.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my Federally protected consumer right to privacy and confidentiality under 15 U.B.C 1681. 

TransUnion : # 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.U 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting containing any of the following more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Numbers : # XXXX 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 2023-03-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX, I am XXXX and can not go to the branch directly. I am authorized by my son to help me open a capitol one saving account online, together with my wife. Since we are planning to put our retirement savings into the Capitol One savings. However the Capitol one is giving us a really hard time for us to access the opened account by verifying the mobile phone, which belonged to our son and we don't have it under our name. Since we can not access the online account I told my son to call Capitol One to close my account since I don't want to have a relationship with them. But Capitol one told my son I should go to the branch in person to close it, which is impossible for me to do. If I know Capitol one is so hard to deal with I will never ask my son to help me open it online. Now I just want my account in Capitol one to be closed and I don't want further relationship with them.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This debt is an absolute violation of contract! The owner of " XXXX XXXX XXXX '' sold me a lemon, and then stole everybody 's warranty money in the middle of the night, including mine, instead of paying them to the warranty company, as well as all of the titles to every car sold in a given period of time, and fled to the XXXX. Shortly after the authorities contacted me, I was added to a class action lawsuit, and then my head gasket blew, making my car a paper weight, so It ended up in a scrap yard as far as I know. So they violated the contract which they themselves setup with the bank, and according to the lawsuit, I am not responsible for the debt. I disputed it with TransUnion and I sent them a letter from the credit union releasing their interest in it because they couldn't get a title for some reason, didn't want the car back due to the engine being blown and they just wrote it off on their taxes, and I sent them my fraud report filing with the FTC and TransUnion still claims that it is a valid debt, which it is absolutely NOT. Thanks for your help.
Consumer complaint received 2023-12-14
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: GOLDMAN SACHS BANK USA (FL)

Prev complaint XXXX Unacceptable response! The merchant and construction company did not contest the dispute, and accepted it on their end to promptly return my funds to my credit card and to resolve the dispute in my favor. The email and screenshots of this was submitted. I also called merchant directly to confirm this and advised Goldman to do the same. This was never done. Then Goldman closed out the original dispute stating that I said to close this out, in which I did not. Now they are dragging this along, accept for owning responsibility for their error and not resolving this dispute in my favor thus returning my money to me since the merchant sent the response stating this is in my favor. Completely unacceptable. Goldman Sachs needs to connect me directly with merchant on the line, so that we can clear this up. Apparently the emails and screenshots have not been reviewed by Goldman to see that the merchant resolved this in my favor. Thus Goldman is holding these funds on hold where they should have returned it to me and resolve this dispute in my favor. 


I filed a dispute thru my Apple Card for a charge from XXXX on XX/XX/23 in the amount of {$8200.00}. The dispute reached the merchant XXXX immediately, in which their client XXXX XXXX did not contest the dispute and agreed to return the funds to my credit card. This was acknowledged on XX/XX/XXXX per the attached email trace between XXXX and XXXX Risk Operations. This email was furnished to me directly from XXXX  client XXXX XXXX To date, Goldman Sachs - Apple Card has not resolved the dispute in my favor and provided a permanent credit of this amount per above. After placing serval calls to Goldman to check the dispute status, everyone has told me that there has been no updates from XXXX on this dispute, however this is incorrect. The funds should have immediately been returned to my credit card as per above. XXXX attached email from me contacting XXXX on XX/XX/23 confirming that they returned the {$8200.00} to Goldman Sachs Apple Card to m return to my account, yet Apple Card has not done this. Where is my money????
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (OH)

I told Collection Bureau of America that this was not my account and I was a victim of identity theft. They did not send me a collection notice in writing to my home address in XXXX where Ive resided since XXXX but instead apparently mailed it to the address where the THIEF that stole my identity resided. Theyre now reporting this derogatory information to the credit reporting agencies. Theyre BLATANTLY not following FCRA requirements.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX Account Number XXXX ( needs to be removed ) XXXX15 U.S. Code 1692e - False or misleading representations XXXX Account Number XXXX ( showing different account number not accurate ) 15 U.S. Code 1692e - False or misleading representations XXXX XXXX ( identity theft ) Account Number XXXX ( please removed ) 15 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( removed )
Consumer complaint received 2023-12-14
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: CITIBANK, N.A. (MN)

Prepaid for a XXXX car rental thru XXXX XXXX ( XXXX XXXX XXXX XXXX with XXXX ( reservation # XXXX ). 2 days into car rental, it broke and had to be towed away. XXXX did not provide a suitable alternative and we had to rent another car from a different agency. XXXX says we need to talk with XXXX XXXX and XXXX XXXX says we need to talk with XXXX. Nobody is helping so we disputed the charge. 

Spoke to a Citi dispute representative at beginning of XX/XX/2023 who said we need to provide proof of when the car broke and to request a partial refund because we did have it for 2 days. I sent all requested documents and Citi denied the claim saying I now need to provide proof of for the refund I will be getting. This makes no sense because I would not have disputed this if there was any communication of a refund.

It it is clear Citi 's policies are for merchandise only. You got the merchandise or didn't get the merchandise. In my case for Citi I had the car so there is no dispute even though it was for 2 out of 8 days. They have no policies to deal with partial services and care nothing to help resolve them. Their only concern is making the vendors they pay happy. I was instructed what to, followed it, and then as a result of following their instructions was told there is no dispute with out showing proof of a refund. This is a deceptive practice instructing a customer what they need and then using it against them. In my case it was telling them I had the car for 2 days and wanting partial refund. They don't do partial refunds or advocate in anyway for services partly provided. I need either a partial refund of {$390.00} ( 5 days not used ) or the full refund of {$620.00}.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (FL)

I have Federal and Non-Federal loans being held by American Educational Services. I had affordable payments of {$23.00}. Then, I went into forbearance. Now, my payments are {$100.00}. The bill was dated XX/XX/2017. I just received an email today informing I owed a balance. When I look at the account, it is showing delinquent. I have gone round and round with this company. Both, my husband and I lost our jobs. There is no money to pay this bill. I can make a monthly payment of {$5.00} ( as it states on their site as a suitable minimum ). If they put me in forbearance the only thing that is going to happen is in 6 months to a year, my payments are going to shoot back up to {$100.00} or even more. I do n't have the income to make these payments. And, this company and XXXX have not worked with me to get me on affordable payments, inspite of my attempts to explain my financial situation.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

I requested my Annual Credit Report recently. On it, there were XXXX accounts paid satisfactorily XXXX, XXXX, XXXX years ago respectively. Theses accounts should have been deleted after XXXX  years. I wrote Equifax a letter on XX/XX/21 requesting these accounts be deleted, and a new report issued. I received their response dated XX/XX/21, basically a form letter patting me on the head and saying they were working on it. Nothing has happened since,
Consumer complaint received 2023-12-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Neighborhood Capital Funding, Inc. (AL)

What happen was I lost my job maybe XXXX  months or so but I been paying mortgage since maybe XXXX  mom and brother was living with me both passed so now I'm in a hardship and need help
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Ceannate (NY)

I received information from the united states department of education, during these conversation through the phone and mail, I was informed to contact a company called fms and this company would set up a payment plan that would report that my loans are being serviced by them I currently have XXXX of them XXXX are from XXXX XXXX college, the other XXXX are from XXXX XXXX college, in a review of my credit report on which these accounts are listed four times separately there is no mention of my paying these debts monthly as agreed at this time i am asking that this information be furnished to the XXXX credit reporting agencies, stating a positive reference that i have currently making payments and they are timely, I also am asking that my wages that were garnished become part of the resolution as well as my federal offset, I am enclosing copies of the payments made, to fms rehabiliation program under the united states department of education.
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Signed contract in XX/XX/XXXX with XXXX attorneys for Portfolio Recovery Associates for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly Portfolio is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.
Consumer complaint received 2023-05-30
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. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I went online to start paying weekly payments to Portfolio Recovery here recently. I made one payment online at their website, and I disputed with the XXXX credit reporting companies to let them know that I was beginning to make payments to all my debt accounts listed on my credit reports. Well, apparently Portfolio Recovery is rhinking that I am disputing the debt. I am not. But, now, I can not log back in to their online payment website with my information, so therefore I am going to miss the next payment which THEY are now telling me is XX/XX/2017. Why ca n't I log in now and pay before this date? I do n't understand why they are giving me a certain date when I told them I will make weekly payments instead of monthly. I guess they did n't like my offer to pay the XXXX dollars back, which was my total XXXX credit limit. That 's fine their offer was a settle amount of {$440.00} or something like that. But, they have a total on the account of {$610.00}. I have made a {$10.00} weekly payment already and I have not received any positive reaction from Portfolio Recovery, and I since then have n't been able to log in their payment website with my information and make another payment since. Also, they have n't reported any payment from me to any of the XXXX credit bureaus. Maybe I should have reported a claim in that class action suit when I received that post card about them being sued.