davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I took at a private loan for XXXX XXXX University in XXXX. I have been making payments on weekly, bi-weekly and monthly intervals depending on pay scales. I have over paid my monthly payment in an effort to pay it off sooner. However, I feel like I'm in a never ending cycle. I downloaded my transaction history from the website, I also asked for a transaction history to be mailed to me. Once I received both, I compared everything line for line and even double checked the payment history that I have saved. 

When reviewing the information, ever line matches with the exception of one thing, the portion of my payment labeled ( interest ) doesn't appear to be applied any where. Below is the details of the very first payment I made : Date - XX/XX/XXXX Description - Payment Principal - ( {$6.00} ) Interest - ( {$51.00} ) Fees - {$0.00} Total - ( {$58.00} ) The transaction history shows that the Disbursement amount and fees totaled - {$8700.00}. On the following dates Capitalized Interested was added to my balance XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$530.00} XX/XX/XXXX - {$440.00} XX/XX/XXXX - {$390.00} XX/XX/XXXX - {$340.00} XX/XX/XXXX - {$5.00} Bringing my balance due to {$12000.00}. Now it is my understanding that this amount includes the dispursed amount and capitalized interest. If that's the case, why after I made a payment of {$58.00}, did my balance only decrease by {$6.00}? If you remember the payment was divided into principal and interest. Where was the other {$51.00} applied? In every payment instance the amount labeled 'Interest ' isn't applied to anything. 

When I brought this to Navient 's attention, now I'm being told that I was given a complete transition history.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc (NY)

I have numerous emails from affirm from XXXX XXXX stating I owe them & XXXX from XXXX XXXX. 
I do not have a visa XXXX in my XXXX XXXX profile, nor do i have this account. 
I believe Affirm is doing some kind of fraudulent activity. 
They are asking for my banking information, driver 's license, passport and social security number, which i will not give them. 
Even if i wanted to give it to them my account is frozen, I believe its fraud because on XX/XX/XXXX, they took unauthorized funds of {$10000.00} which i knew nothing about to open a savings account with affirm. 

I think the whole company is a scam.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My data was breached I have received a notification that my daughter, my son, & my information have been leaked. Also that my number had been put on the dark web. I believe they have opened accounts with my identity I just dont know how to check for myself
Consumer complaint received 2022-11-22
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. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX has on my credit report date open from XXXX XXXX on XXXX XXXX but first reported on XXXX XXXX and 72 months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of {$1900.00} Equifax showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency 120 days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX Equifax closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (VA)

On XX/XX/XXXX I sent TransWorld System a letter which was received on XX/XX/XXXX at XXXX XXXX per the United States postal service ... I asked them to validate the debt by sending an audit trail as well as a promissory note and I have yet to receive any correspondence ... TransWorld removed the account from my credit report and then shortly after added it back without sending me any correspondence as to what actions were being taken. TransWorld has also failed to place my account in dispute as it has been pass the 30 days as to when they received the letter ... .TransWorld is in direct violation of the FCRA ....
Consumer complaint received 2022-11-22
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)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$7900.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00}.
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC (PA)

There is Debt collector that recently populated on my credit. When I retrieved my credit reports from annualcreditreport.com it verified that the same debt collector was charged off and no longer owed. I would like to continue to dispute this collection and i am asking for an update within 30 days.
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2022-11-18
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. (CA)

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 has violated my rights.

15 U.S.C16 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section A Section 2 : it also states a Consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Original Creditor XXXX XXXX XXXX XXXXXXXX, Account/Card # XXXX, Original Debtor : XXXX, XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, Original Debtor : XXXX, XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Original Debtor : XXXX, XXXX XXXX, These accounts have been purchased, and should reflect paid on credit report.

THE FAIR CREDIT REPORTING ACT 623.

Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TN)

I have a Lowes Consumer Advantage credit card run by Synchrony Bank. 

On XX/XX/19, I made a large purchase of a set of windows totaling {$840.00} using a promotion marketed as 6 months special financing. The deferred interest terms can be found on this web page : https : //www.lowes.com/l/Credit/special-financing-tandc.html I spend many thousands of dollars of purchases every year at Lowes so this was one of my many purchases ; however, I normally pay my Lowes credit card balance off in full every month in order to avoid interest. However, after making this special financing purchase, I called Lowes ' credit card customer service to verify how much I needed to pay every month in order to avoid any interest charges and was told that I could pay the full statement balance less the purchase amount for the windows, which is {$840.00} ( unless the only thing I owed was for the windows, in which case only the minimum payment would apply ). So, this is exactly what I did. 

The first bill I received due XXXX, there were no interest charges. However, with the second bill I received due XXXX, there was a small amount of interest charged. I called Lowes credit card customer service again for an explanation, and there was no real clear explanation given, just that " credit card companies charge interest - that's how it works '' LOL.  I am a XXXX XXXX by profession so I have a full understanding of how interest works. It seems to me that Lowes is charging interest based on the additional interest I would have accrued if I didn't pay this {$840.00} balance off in 6 months, the amount described in the statement as " Balance Subject to Interest Rate '', which grew to {$860.00}. Although the amount of interest was small, I am reporting this as fraudulent credit card company activity because it seems they are charging and collecting interest based on a future projected balance, which is unethical and unfair to unsuspecting consumers. If this is not where the interest is coming from, then I don't know where it is coming from since I paid the rest of my balance off in full.
Consumer complaint received 2022-11-22
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. (NJ)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and fidentiality under 15 USC Account # 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 Has violated my rights 15 u.s.c. 1681 section 602a.

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. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records. 
Of the convictions of crimes Which antedates the report of more than 7 years. 
XXXX5 u.s.c. 1681-2 ( 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 accurate
Consumer complaint received 2022-11-22
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. (TN)

On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened a checking and savings accounts with Citizens Bank on XX/XX/22 with a promo code that included a {$520.00} bonus for opening those accounts and fulfilling some basic requirements. 
I fulfilled those requirements ( direct deposit to checking account for {$320.00} bonus, monthly deposit to savings account for {$200.00} bonus ) and was supposed to get that bonus by XX/XX/22. 
However, no bonus was deposited to my account and my attempts to contact the bank and get this resolved were unsuccessful.
Consumer complaint received 2022-11-22
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. (TN)

On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (TX)

The calls from the phone number XXXX started on XX/XX/2024 from a number I did not recognize and there was no voice-mail left. From that day on I have recieved 30 calls in a course of a week starting from XX/XX/XXXX and the last call I got from this number was on XX/XX/2024. No voice-mail from any of the calls were left so I blocked the number since I was getting about 5 calls a day and that is not including all the other numbers they have attempted to call me from. what I have gathered upon further investigation that this was from my loan company Westlake financial. This has been a constant issue with them even after I speak with them as the calls would still continue.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello -I received information regarding this account from XXXX XXXX Saturday XXXX The response from the company stated they wanted me to send in information in regards to this account. The account is listed on my Experian and XXXX reports. It is inaccurate. 
In accordance with the Fair crefit reporting act 15 USC 1681 I ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the listed account below.. 
XXXX XXXX XXXX