davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (AZ)

Approximately XXXX  years ago, someone fraudulently opened a store specific credit card in my name. Comenity Capital Bank, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, serviced that credit card. When I received a statement of amounts due for that card, I called Comenity to report the fraud. Comenity told me that I had to send them a substantial amount of documentation to prove the fraud. I refused and advised them that any extension of credit on that card was at their peril and risk. To further protect myself, I placed a freeze on my credit information with XXXX. 
Today, XXXX XXXX, I received a letter from Comenity stating that they could not continue to process a new application for a My Place Rewards Credit Card until I lifted the freeze on my credit info with XXXX. Needless to say, this application was fraudulently submitted in my name. 
The whole reason I placed a freeze on my credit info in the first place was Comenity. I called Comenity today to advise them of the fraud. I told the initial contact that I wanted to report the fraud and was placed on hold for more than XXXX minutes before I disconnected the call. 
I believe the foregoing is a violation of the XXXX XXXX XXXX XXXX. The underwriting, or lack thereof, with regard to the second fraudulent application, constitutes gross negligence and a wanton inconvenience for a consumer such as myself. 
I seek any and all relief that the facts warrant, including but not limited to a letter of apology from the President of Comenity Capital Bank. They knew or should have known of the second fraud before they inconvenienced me with a letter which required my response. Thanks.
Consumer complaint received 2022-11-03
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. (GA)

In accordance with the Fair Credit Reporting act. The below listedt of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX  acct # XXXX has violated my rights XXXX XXXX Bank acct XXXX XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX acct # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1981 section 602 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has resasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good evening, I received an alert from myfico.com that my Transunion score dropped XXXX points. I was shocked and could not figure out why. I checked and it said that a personal finance report was removed from my report. I am not aware of anything as when I checked, nothing was removed. All my accounts open and closed are accounted for and this is upsetting for them to report such a big drop when nothing in my report is missing. Please correct this. 
Thank you.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Enterprise Systems, Inc. (ME)

I attended the XXXX XXXX XXXX XXXX from XXXX ; since then my school has been discredited and closed for fraudulent activities and sued federally. It is my understanding that XXXX XXXX was also undergoing a lawsuit and changed their name to XXXX to carry on the loans avoiding the lawsuit. The Maine Attorney General cancelled my student loans because of this, but I just received a letter yesterday stating I have {$10000.00} in collections from XXXX. My federal loans were wiped out by the Biden Administration for these same reasons.
Consumer complaint received 2022-11-03
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. (VA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-08-14
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. (NJ)

On XX/XX/2023, XXXX  student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till I had to file for a loan and got rejected a few weeks ago. Upon reviewing my credit report I noticed a write off from XXXX student loans. This is a loan for which I am a co-signer. 

The loan was put on a disbursed schedule during the pandemic and XXXX had never informed me when the disbursement had ended. Furthermore XXXX had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has destroyed my credit score that I have worked so hard to build. I had the means to pay for it all this time but XXXX had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.
Consumer complaint received 2022-11-03
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. (MI)

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 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have taken every necessary step to ensure that the credit bureau ( XXXX, Transunion, XXXX ) updates my personal information, yet they have not done so. Not only have I asked them multiple times, I have also followed up with them and provided them with the relevant information. Despite this, they have still failed to make the changes. It is deeply concerning that they have neglected to comply with the FCRA.
Consumer complaint received 2022-11-03
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. (NC)

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 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 2023-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX I made a complaint with CFPB ( Case # XXXX ) after not being able to speak to a XXXX regarding my issues with payments and interest being credited correctly. The response to the complaint, dated XXXX XXXX, was that they would waive the interest totaling {$15.00} and attached my ledger. The information on this ledger is not what is listed when I log online. I noticed I was charged interest starting XX/XX/XXXX. I only signed the contract XX/XX/XXXX. The {$15.00} credit was not put on my account. Instead they charged {$120.00} to my account on XX/XX/XXXX. I called and left a message with the Senior XXXX XXXX XXXX ( XXXX ext. XXXX ) who wrote the letter, he never returned my phone call. I have called the normal customer service number to speak to a supervisor. I'm always told that someone will call me back, however I have not received a call back since XXXX. I would like to go through my entire account to rectify any issues and questions. 

XXXX. Why was I charged interest for dates before the contract was signed? 
XXXX. Why was the interest not adjusted based off of actual payments received? 
XXXX. Why was I charged an additional {$120.00} on XX/XX/XXXX? 
XXXX. On XX/XX/XXXX I was told by customer service representative that these charges, although they are shown on my ledger that I received from XXXX and they show up on my payment history online, she did not see the charges on her end and to just disregard them. 

It is almost impossible for a customer to speak to a supervisor with this company because they are " busy '' however when a customer service rep needs to consult with a supervisor about an issue, the supervisor seems to be available for those interactions.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: AMERICAN HONDA FINANCE CORP (CA)

I purchase a XXXX ( XXXX ) Honda XXXX XXXX from Honda of XXXX. The salesman ( dealer ) did not tells or explain to me that the XXXX ( XXXX ) Honda XXXX XXXX was an Lease. I have been paying my car payment from XX/XX/XXXX through XX/XX/XXXX. I have not miss any payment on the XXXX Honda XXXX XXXX. I have been HARASSED FOR XXXX AND HALF YEARS to TRADE IN for new CAR or to RETURN IT IN. On XX/XX/XXXX my XXXX Honda XXXX XXXX was toll by the repossessed. I did not receive a letter from Honda of XXXX that my car was going to be repossessed. 

I am a XXXX and I am XXXX. XXXX of XXXX has a BAD REPUTATION RED LINING XXXX PEOPLE WHEN COMES PURCHASING A NEW VEHICLE AND USE VEHICLE. 

I hope you can help with this problems. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION (FL)

I received a rejection letter from my bank ( truist ) stating i was unable to co-sign a XXXX dollar loan for a family.The letter stated the following reasons : Delinquent credit, Foreclosure.I was never on a loan of another person, my mother passed away and the bank XXXX XXXX XXXX XXXX  took back her condo. I had no financial responsibility to her loan and was not on the loan. I have perfect credit, never late and paid off two homes years early.
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I made the XXXX payment on my mortgage on XX/XX/XXXX XXXX - The payment amount I was quoted before signing the mortgage and the payment were {$720.00}. This amount continued to be paid each month until XX/XX/XXXX when along with the normal amount of {$720.00} for my monthly bill I was notified of a shortage in my Escrow Account of {$2400.00}. So, on XX/XX/XXXX I not only paid my monthly mortgage payment of {$720.00} but also the Escrow Shortage of {$2400.00} for a total payment of {$3100.00}. I paid the Escrow Shortage so my Monthly Mortgage payment would not go up until the next Escrow Analysis on my mortgage account. However, on XX/XX/XXXX the mortgage company released a statement saying that my regular monthly mortgage payment is now {$1100.00}, about a 66 % increase! Even though I paid the Escrow Shortage out of pocket the Escrow amount in my monthly payment went from {$220.00} per month to {$690.00}!!! When contacted about this, and explaining I had already paid the Escrow Shortage out of pocket, the company agent just said the Escrow ; " Is what it is ''. That was the help I got when this is either clearly a mistake on their part or they are a predatory lender that buys mortgages at the originated price then within a year drastically increases the monthly payments hoping to make bigger profits or take people 's homes!
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for-profit online schools such as the one I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX, the Biden administration has announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient was a `` preferred '' lending company in a " deal '' with these schools during the early XXXX. 
These private loans with a high risk of default were part of a package deal offered to " for-profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least 150 for-profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved.

This application is a sham.

Why do we need to prove anything?

Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools.

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for-profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient does the right thing and discharges all these predatory private loans made to attend online for-profit schools NOW! 

Link to XXXX XXXX 's 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 2023-03-13
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: MARINER FINANCE, LLC (NC)

I have letters to Mariner finance asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} XXXX acquired my student loans from XXXX  XXXX XXXX on XXXX XXXX, and reported XXXX late payment for each loan in XXXX. XXXX  XXXX XXXX never reported any late payments nor was I ever late on any payment.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Across all three credit reporting agencies all my info is different not matching I m requesting that they put the right information down ( 15usc 16181 ( b ) a2 as they suppose to All match. Also the addresses I disputed still on there and charge offs this is absurd
Consumer complaint received 2018-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

On XX/XX/2016, I obtained a XXXX personal loan through USAA. 
When I inquired on loan options, I thoroughly explained this was a joint loan and the other individual on the loan does not have a steady job history. The loan sales person listened to the information I provided and quickly responded with their debt protection option. I requested if this option would cover in the he was to lose his job for any reason, in which he responded, it would. Now, 2 years later, he is no longer employed as he has been incarcerated, leaving myself and my children a single income household, with no financial assistance from him or anyone else. 
I am very disgusted that a reputable company such as USAA would support such deceptive sales practices. I am a highly educated and intelligent individual and would never have made such a large financial commitment to USAA if I had been provided the correct information. He had sent me the information to my phone and I quickly signed and returned it. 
This illusion of protection has left me with a large financial burden that could cause me to lose my home. I currently pay about {$200.00} a month in loan repayment and now have no assistance from his income and no back up from the debt protection I was promised would support in this event. 

Upon contacting USAA and speaking with a superior, I received only an apology, a denial to pull the call records as they no longer exist, and an offer to extend one month 's payment ( Which they could not even do ).
Consumer complaint received 2023-07-10
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)

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Financial Services, Inc. (MT)

I disputed these items back in XX/XX/XXXX. The CFPB sent me 2 emails apologizing for the XXXX XXXX XXXX not responding in an appropriate time. You ( CFPB ) threatened to take action, so instead, in XX/XX/XXXX XXXX XXXX XXXX said that my Dispute was frivolous and unfounded. It is not my debt and when I Disputed all 3 of these again in XX/XX/XXXX through XXXX, they removed 2 of the 3 because they couldn't back up the information. I have Disputed now again after XXXX reports the inaccuracies yet again. This is getting ridiculously redundant and all parties involved now are purposely ruining my Credit and my Name! I want this matter resolved ASAP, the  remaining account that is charged off is too be removed in XX/XX/XXXX/XX/XX/XXXX XXXX   removed 2 of these items in XX/XX/XXXX and now has put them back. I see no other way of looking at this but that these companies are directly sabotaging my Credit Reports. These need to be removed immediately and my scores adjusted accordingly. 

Thank you for your immediate attention to this matter.