davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (FL)

My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at XXXXhe point of giving up. Discover keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.
Consumer complaint received 2023-10-05
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. (GA)

I bought an ounce of gold from XXXX for {$2000.00} but never received it. I called the usps to see what happened as the proof of delivery said it was delivered on XX/XX/2023 and signed for by me, but the signature was not mine and I did not receive any package. The XXXX apologized and acknowledged the signature was not mine when I complained but said it was the merchants responsibility to handle the matter as they were the ones who would have insured the package ( I am unsure if they did in fact insure the package ). I then called XXXX, who said the item was sold by a third party merchant, and that all they could do was contact them and have them respond to me, and that I should dispute the charge with my credit card company. The third party merchant, XXXX, responded and apologized for the issue but since the XXXX tracking had the package as delivered they would have to investigate it. They requested I file a police report, which I did, and said they would respond when they complete their investigation. I have contacted them several times since and have received the same response, that they are still investigating the issue. Since I made the purchase with my Citi bank Best Buy Visa card, I contacted Citi bank to dispute the charge on the grounds I never received my purchase. Initially they sided with me on the issue after I provided documentation, but subsequently changed their decision and put the charge back on my card. I reopened the dispute and am still waiting for a response.
Consumer complaint received 2023-10-05
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. (CA)

I receive yesterday a communication letter from CITIBANK about the Dispute They are not able to resolve on my behalf due to the Answer from the merchant. 
In the letter they stated as a Courtesy they provided credit in XXXX of the XXXX Disputed I have with the same merchant for Incompetent services received from merchant. 
I would like to have CITIBANK provide me the process under VISA Policy in regards Disputes for Services not received and the Fact I had to pay for the same Repair for the same part of my truck twice, I don't believe I have to be responsible to make any payments in the amount disputed for {$1000.00}. 

So At this time I would like to report CITIBANK has violated the Following : Federal Section 15 U.S. Code 1666i and California Sections 1740.40,1747.50,1747.60,1747.65.

This is my last effort and to have it reflect it as an exhaust Administrative Option before I take legal Action against CITIBANK along with another Matter I have pending. I already Informed the CFPB Ombudsman in regards this Dispute I have with CITIBANK.

If CITIBANK still deny assistance and due to its Actions making reports to the Credit Agencies and damage my credit report, by Law I make CITIBANK Liable for XXXX times the amount on Dispute.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received XXXX emails indicating that a Bank of America Checking account was opened in my name. The first email stated I was approved, the second stated my debit card has been shipped to me. I never applied for a Bank of America checking account.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The identified transactions on my federally protected consumer file are not transactions furnished on my consumer file by me. no consent is identity theft. these federal laws are to be followed and must not be broken and i have been violated of unlawful acts by XXXX, XXXX transunion and the furnishers of this information. 15 USC 6802 obligations with respect of disclosure of personal information B ) ( 1 ) ( a ) ( b ) ( c ) never was given OPTIONS. they do not have no disclose form i have right to privacy. i have provided necessary documentation of federal consumer protected law which the cra is govered by. 15 USC 1681B ( a ) ( c ) ( 2 ) the unlawful act they have committed needs to be changed before seeking remedy in exchanged. This is the start if an administrative process if this identity theft of my NONPUBLIC personal information is not removed off the file. SEE ATTACHED.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This problem is still going on someone opened up an account which is a credit card account and XXXX XXXX  put an Account Review Inquiry on my TransUnion Report
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union, issued me a credit card with a balance of XXXX. 

During the pandemic in 2021 I went to XXXX and was a victim of credit card fraud. My credit cards wallet were stolen and I had a difficult time returning to the United States. 

I finally returned in the fall on 2021 and began looking into my credit card problems, While reviewing my credit card I noticed that my high credit card was used repeatedly fraudulently in many location in XXXX that I did not travel to. 

Navy Federal cleared the charges in early XXXX after poor communication from its fraud department. Then they removed the charges, I did not use the card because i was scared to and therefore waited. The Navy Federal staff noticed that I was not using the card and after almost XXXX months the issues a letter stating the fraud did not occur and that i was responsible they imidietly started charging interest and I tried to appeal but the issue persist.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

I have the misfortune of working with NELNET as my student loan serviced, and I have not been able to view any statement that they claim to have made available on their website ( download link is broken and redirects me to home page ) I have been on hold with customer service for over an hour and a half now and call my loans say they are not due to start making payments again until next year, despite the loan forbearance being overturned a few months ago.
Consumer complaint received 2023-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (IN)

I have had a mortgage with Regions Mortgage for approximately 30 years with the mortgage being refinanced. I have always paid the taxes and insurance for this property. On XX/XX/XXXX, Regions Mortgage sent {$2700.00} to XXXX XXXX ( Indiana ) to pay delinquent taxes. The first letter I received from them indicated that the property taxes were for XXXX. When I contacted them and sent them information to show that the property taxes were paid in full on the property on XX/XX/XXXX ( with no back taxes owed ), they changed their story and sent another letter indicating that the payment was for XX/XX/XXXX. Those taxes were paid on XX/XX/XXXX so this amount was credited to the XX/XX/XXXX taxes. Regions Mortgage is treating this as a loan and demanding payment. This has caused my credit score to go down and I am not getting resolution even though I began the process to get resolution on XX/XX/XXXX - almost XXXX month after everything had already been paid in full. Regions Mortgage is telling me that they need to research all of this and can not tell me when this will be straightened out.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Ive been a Wells Fargo customer for a while now and typically only use the account for small purchases. I occasionally only check transaction history for errors every XXXX days. When I went over my account transactions recently I noticed a few transactions I didnt make for example there was a few transactions to a XXXX XXXX name I didnt authorize along with a limousine and XXXX XXXX booking . Those are just to name a few but I made the dispute with the bank only for them to not resolve the matter and close the dispute I had opened with them.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (AL)

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 name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXAcc # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 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 or 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Guild Holdings Company (WA)

In XXXX we moved from XXXX back to XXXX. Prior to moving back we renting out our home to my daughter. When we came back we decided to refinancing and began the process with Guild mortgage. Giving them all the necessary information requiredof us. Guild mortgage ordered all inspection and documents needed for closing. I recall XXXX XXXX XXXX calling me to verify the changes and informing me that my insurance was going to go up even more due to the fact that I had to carry replacement cost vs value coverage on my policy, to which i agreed. NOW I have had 2 claims that have been denied because the insurance company made numerous errors in my policy that MY GUILD AGENT did not catch. Nor did I because XXXX failed to update the simpliest of things and left my address from XXXX. I paid Guild to process and ensure that all documents were currentl and correct and they were neglect. My policy reads home owner policy on one page and commercial on another page of the policy. So I am not covered at all but the House/ Guild is.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am submitting this complaint in regards to the inaccurate and unknown things on my credit report. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (TX)

I have submitted multiple disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Each time, I meticulously listed the disputed accounts and highlighted the violations they were causing to my consumer report. 

Despite this, it has now been over 30 days, and I have not received any response from your end. 

For your reference, I have attached copies of all the letters I sent regarding these disputes. 

I urge you to address this matter promptly and provide a resolution.
Consumer complaint received 2018-05-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (LA)

I obtained a student loan in XX/XX/XXXX as a teenager on my own in order to go to art school. I completed and graduated from art school in XX/XX/XXXX and was successful in my field early on, but the technology changed quickly and my skills were soon outdated.

I originally borrowed approximately {$20000.00} for a two year program, but not long after graduation, I was no longer employed in the field and my school did not honor its promise that they would continue to help with employment after graduation. 

I was employed, but struggled to continue to pay my student loans and my XX/XX/XXXX, I had defaulted and lost everything. I moved back home and was able to get back on track paying my loans and decided to go back to school at University XXXX XXXX XXXX. None of the credits I had earned at XXXX XXXX XXXX   XXXX were transferable to XXXX, so I had to start completely over on my XXXX degree, even re-taking the prerequisites. While I was a student at XXXX, my loans were on deferment, gathering interest for 6 years while I studied for my XXXX degree. I did not use student loans for my XXXX degree at XXXX. 

I graduated from XXXX in XX/XX/XXXX and had a baby in XX/XX/XXXX. Needless to say, that making my student loan payments was the least of my worries. I defaulted on the loans with Sallie Mae and was able to get back on track with my payments after my divorce in XX/XX/XXXX. But by that time, my loan balance had grown from my original {$20000.00} to almost {$80000.00}! 

I am paying my student loan now under the income based repayment plan, and I am a single parent, so it is based only on my income. But, I have not managed to make a dent in the loan after all these years, and I will be paying for this mistake until I am at least XXXX years old. I can not buy a home because Sallie Mae is still reporting on my credit report, even though they no longer service the loan. 

I requested my original loan documents from Navient from when I first signed back in XX/XX/XXXX, but Navient could not locate them. I have tried before to settle this matter and reduce the debt so that I could eventually pay it off, but my requests fell on deaf ears. I have been wronged and not given ample resources to pay this off. It seems incredibly unfair to try and repay over {$60000.00} in interest charges. I know that I made some mistakes in my youth, and I am willing to pay what I originally signed up for, but I am sick of being punished!
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, In XXXXXXXX XXXX  XXXX, I disputed the accuracy of the credit reporting being done by XXXX XXXX onto my credit profile. This request was done directly to XXXX XXXX vi certified mail. On XX/XX/, I received a notification from XXXX that the payment history has since been updated to accurately reflect the status of the account. 

Unfortunately, these updates were not provide to the other two major credit reporting bureaus and the information being reflected on my credit profile is therefore inaccurate and inconsistent across the three bureaus.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

In XX/XX/XXXX my car was financed thru GM Financial and my last payment should have been in XX/XX/XXXX. However, I disputed the amount GM Financial tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by GM Financial at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount GM reported as owed was in error, I never again heard anything from either the Collection Agency or  GM Financial. EVER. Not one single word. 

In XX/XX/XXXX, I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by GM Financial 's agent of choice ). This was done and in XX/XX/XXXX, I contacted GM Financial to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from GM Financial in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after GM Financial received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.