davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I went to XXXX XXXX XXXX later known as XXXX College in XXXX Texas XXXX learned later on the school closed due to bankruptcy probably due to the lies about the education as well as job placement that never happened as well as no one recognizing their medical billing and coding education classes as well as other classes being taught at this school I was told to call and get a loan from at that time Sallie Mae as well as pay a little over {$2000.00} out of my pocket to the school not knowing I was being ripped off by the time I realized it was too late now I am dealing with school loans I have put in foreberance several times and now consolidated loans paying {$80.00} a month until the amount goes up have tried to be forgiven several times anyway I could see was fit to get this forgiven and the last time I called XX/XX/2018 was told if I pay {$120.00} a month for 20 years will be forgiven but the calculation is closer to XXXX and original loan was around XXXX now with interest its closer to XXXX Navient is crooked and should be out of business as well as the fake schools promising what they will not and dont plan on giving you which is an education that will get you hired because you were taught correctly and is a respectable school that educated you with the knowledge to do the job The education system and loan system is a disgrace and those of use trying to make something of ourselves should not have someone in our pockets taking what little we do earn to pay for lying manipulative Thieves with cost going up and pay not everyone that was given this promise and was not made good on should be forgiven with no repercussions
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have asked many times for the paperwork to show my personal signature on the documents they sent and portfolio Recovery Associates keep sending paperwork that don't provide my signature. I dispute this multiple times for the same reason and they never provide it to me it was acquired by them but can't provide me documentation showing my signature as proof that it be longs to me I have spent countless hours trying to clear this matter up and they keep sending the same paperwork without my signature on it I want it removed now of my credit report and a code to be put on to not added it back on each time I dispute it they add a new year on.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, I am reaching out to express my concerns regarding inaccuracies in my consumer report maintained by CFPB, which are adversely affecting my ability to move forward financially. These inaccuracies are not only a misrepresentation of my financial standing but also potentially violate consumer reporting and privacy laws. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are obligated to ensure the accuracy and fairness of the information in their reports, given its significant impact on consumers lives. This law provides me with the right to dispute inaccurate information in my report and requires that such disputes be investigated and corrected or removed promptly. 

Moreover, the FCRA outlines consumers rights to be informed of any adverse action taken against them based on their consumer report, including the specific details and sources of the information that led to the adverse action. This is critical for consumers like myself, who are hindered by inaccuracies from engaging in financial opportunities, securing loans, or obtaining reasonable interest rates. 

Given these concerns, I hereby request : 1. An immediate, detailed disclosure of all information CFPB holds about me, as is my right under the FCRA.

2. A prompt investigation into the inaccuracies I have identified within my consumer report, particularly those negatively impacting my financial opportunities.

3. The correction of inaccuracies or the removal of any information that can not be verified as accurate, in compliance with the FCRA.

4. Removal of any information obtained or processed in violation of my privacy rights or applicable laws.

5. Written confirmation of the steps CFPB has taken to address my concerns, including a detailed account of any information corrected or removed from my report.

It is essential that CFPB takes immediate action to correct these inaccuracies to not only comply with legal obligations but to also mitigate the significant impact these errors have on my financial well-being. The FCRA mandates that consumer reporting agencies must complete an investigation of disputed information within 30 days, ensuring timely corrections are made.

I appreciate your prompt attention to this critical matter and expect a response within the legal timeframe specified by the FCRA. Failure to adequately address these issues may compel me to seek further legal remedies to protect my interests and ensure compliance with consumer protection laws.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Report number XXXX Date Generated XX/XX/2023 by Experian. After reviewing my credit report, I found two inaccurate address on my account that do not belong to me. I have informed Experian twice of the mistake.
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. (MI)

Experian, XXXX, XXXX has reported late on my credit report on XXXX XXXX, and they didn't have them my consent to report these items, I need them removed immediately. They are in violation of U.S. Code 1681B ( A2 ).
Consumer complaint received 2023-06-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/23, I walked into a WF branch and asked for my HELOC balance payoff amount - without closing the account. The teller told me that amount would be {$29000.00}. I paid that amount via a check from my XXXX checking account. WF cleared that check with XXXX the same business day of XX/XX/23. I saw the amount withdrawn from my XXXX  account the same day but NOT reflected on my WF HELOC account. 

On XX/XX/23, my HELOC balance was not updated so I called the WF Home Equity Specialty Services XXXX XXXX to inquire why my HELOC balance wasn't {$0.00}. The woman told me that there's a 5-day hold on my check. I asked her why that was the case when the money has already been taken out of my XXXX account. She said that was their policy. 

On XX/XX/23, I had the same issue and called the same department and was told the hold is for 5 business days. I called on XX/XX/XXXX with the same issue and was told the hold is for 7 business days. On each occasion that I called, I asked why WF would not credit my HELOC account when they've already taken the money out of my XXXX  account and was told that's their policy. No further information was given. It also looked like they had overcharged me {$25.00} for the payoff amount. 

I called on XX/XX/XXXX with the same issue and was told the hold is for 10 business days. I became even more frustrated and upset and requested to speak with a supervisor because I'm given different non-explanatory information, each time I call and WF is basically holding XXXX XXXX of my money and granting me no access to it. I was speaking with XXXX ( ID # XXXX ) and told him I would file a complaint with the CFPB because of their deceptive practices. 

XXXX put me on hold and came back to say my check wasn't released yet due to WF Fraud protection algorithm that put a hold on my check. Again, I explained that this doesn't make sense to me because WF cleared the check the day I deposited it and demanded that they credit my HELOC account appropriately. XXXX said that they couldn't do that without me providing evidence that my check had been cleared from my XXXX account. Because I'm familiar with bank payment processes, I told XXXX that WF already has the proof and they he could look that information up electronically from his laptop while we're on the phone. XXXX refused to do so. I also told him that it looks like WF had overstated my payoff amount by {$25.00} and he said that I needed to take that up with the bank teller that gave me that information. 

To have my HELOC balance fully credited with my XXXX  check, I had to send XXXX XXXX of WF a copy of the check deposit infomation from my XXXX  account as verification of the check 's clearance. The next day, my HELOC account had a balance of - {$25.00}. 

Today is XX/XX/XXXX and my HELOC balance is- {$25.00}. WF has yet to refund me the money I'm owed.
Consumer complaint received 2023-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

There is a closed Capital One credit card that is on my XXXX account that I have absolutely no knowledge of and didnt open myself. The account was opened XX/XX/2022 and was closed XXXX XXXX. Ive filed an FTC report as I take my credit very seriously only for it to be placed back on to my XXXX the next day. This account was opened fraudulently and is greatly affecting my credit score. This isnt fair to me or my life and is affecting my credit score tremendously. Please remove this fraudulent account immediately.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (GA)

Affirm reopened my dispute after I filed a dispute with you all. The recently closed it after trying to contact the same merchant I was unsuccessful in reaching. I expressed to them I uploaded supporting documentation to show no tracking, no history of shipments, no evidence of any kind for the item. After a month of them trying they tell me they are sorry but its not they can do but advises me to keep trying to call them something they could not make successful and something I've been doing for over a yr now. This is unjust that these companies are allowed to place anything on your credit without true evidence. You'd think they would want to also protect their loans/investment but I guess not please help me get justice for this this is soooooo unfair.
Consumer complaint received 2024-03-27
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; AXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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. (CA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

Charged finance charges even though balance was paid within 2 business days of charge posting to account. Total charges are {$2.00}. Company agreed to give refund but has not process even though I have been calling for the past 2 weeks. 

Comenity Bank
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (CA)

On XX/XX/2023, in my spam email is a scam email asking for money for a non-existent loan from a company I have never heard of nor contacted. I was going to report to this to the FTC but my choices had me redirected to the CFPB.
Consumer complaint received 2023-06-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Many times I noticed the balance was low but ok one day, the next day or two a overdraft fee will appear for no reason I went and check with a banker twice but they said everything was ok. The charged me those fees several times. I knew something was wrong but they acted like nothing was wrong Im claiming part of the settlement as a customer for more than 14 years XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, 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. (NC)

Please remove these inquiries and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXXXXXX 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 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (NJ)

The Apple/GS Credit Card filed that I was over 60 days delinquent when in fact I was unable to make a payment due to inadequacies in their system. I purchased a new XXXX in XX/XX/XXXX and agreed to pay for it through the Apple/GS credit card. I was told at the time that I would receive statements via email, and the Apple employee and I spent considerable time confirming my email address. When I receive the physical card some weeks later there was no information on it, no account number, and more importantly, no telephone number for customer service. Several months went by before I finally received a letter from Apple/GS with a contact phone number. I called them immediately, and they walked me through the convoluted process of setting up the XXXX XXXX and then provided me with detailed instructions for making payments by check through the mail. None of the information I received at the Apple Store turned out to be correct. ( 1 ) In order to function properly your XXXXXXXX XXXX must match your current email address. This fact was not conveyed to me until nearly 6 months later. This would make it impossible for Apple/GS to contact me electronically despite their claims to the contrary. ( 2 ) Even with the proper email address, the Apple/GS card never produces a statement of any kind. In order to get a statement cardholders have to call customer support and request one each and every month. While this may technically be in compliance with current Federal law, it does not satisfy the spirit of the law. ( 3 ) You are expected to use their App as the only mechanism for making payments which makes it impossible to set up any kind of payment schedule with your bank. As a victim of identity theft in XXXX I am rather reticent about sharing banking information with an App on my phone. ( 4 ) Heaven help the poor soul who, after charging multiple purchases to their Apple/GS card, discovers that they have lost their XXXX and with it their only means of making payments or even contacting customer support.
Consumer complaint received 2023-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states, a creditor can not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (MI)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX  does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2023-06-05
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: DISCOVER BANK (TX)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between your company and me. 

Please fix the following accounts : XXXX XXXX XXXX Balance : {$660.00} DISCOVERBANK XXXXXXXX Balance : {$1600.00} XXXX  XXXX Balance : {$25000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.