davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NH)

I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX   doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. 

The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! 

I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. 

XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. 

I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (CA)

After realizing that most of the monies paid to Mobiloans weren't going to paying off the principle, I had to quit making payments and wrote them to try to work out a fair repayment program.I can not continue to pay excessive fees.I am on XXXX and cant afford.I never borrowed more than 400 at anytime and made payments but principle never seems to go down.Just need help arranging fair repayment plan, and stopping excessive fees.They have already damaged my credit after 30 days.They have ignored any requests to lower and set up payments that I can afford.
Consumer complaint received 2023-03-22
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: Resurgent Capital Services L.P. (LA)

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
LVNV FUNDING LLCis reporting I owe a debt of {$3800.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Consumer complaint received 2023-02-06
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. (GA)

My BUSINESS information is showing on my consumer report and i need it to be remove completely and transferred to my business consumer report as soon as possible. I have been damaged because of all the inaccurate information that has been showing on my report, i will attach the proper forms to put you guys on notice that my name that is connected to my personal consumer report is a business name and should be reported properly. Thank you.
Consumer complaint received 2023-02-06
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: DISCOVER BANK (MD)

This company is reporting late payments on my credit reports. 
According to the FCRA reporting of my payment history is illegal. This company is also in violation of GLBA because my consent is needed in order to share my non public information with nonaffiliate company such as XXXX, XXXX and XXXX. Below are 2 of the federal laws that this company is violating.

1 ) 15usc6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) 15usc1681A ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Maybe this is an honest mistake and this company is not aware of all the federal mandates that were put in place by congress
Consumer complaint received 2023-02-06
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. (DC)

I've been a victim of identity theft a few years ago and I still have issues with someone attempting to open accounts in my name leaving me with hard inquiries I've contacted TransUnion and XXXX and was informed a mother ago to send in documents to support my claim and I did I sent in Police Report along with the Ftc and my credentials that was over nighted and they still refused to remove the fraudulent inquiries.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

I have a Citi Visa card for XXXX.

I pay my bills ... using Bill Pay through my XXXX XXXX account. On two occassions I was charged a " late fee '' for payments that my bank told me had been delivered on time.

I appears that although the check arrives in time ... there is a delay in when it is processed. After wasting time with my bank and Citi customer service ... I changed the due date to give them an extra 2 days to credit my account. They had charged me {$25.00} x 2 for these incidents ... but that was eventually refunded.

I did not receive a paper statement in XX/XX/XXXX ... and since I don't use this card on a regular basis ... I figured that no payment was due. Today, I learned ( through repeated calls to my cell phone ) that I missed a payment. I paid it immediately out of my checking account ... but they refused to cancel the {$25.00} late charge. [ Oh, they also had the wrong bank and checking account associated with my Citi account ] I have no intention of continuing my business relationship with Citi. However, it may be that they have found several new ways to generate late fees! I have another VISA card ... which I manage in the same way ... and have had no fees for many years.

After XXXX XXXX   ... I wouldn't be surprised if this " slow down '' in crediting an account or missed statements was deliberate.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

On the XXXX of XX/XX/2021 my husbands card was stolen and used in XXXX  at an XXXX. We reported the fraud on our account to Navy federal credit union they told us it was going to take five days before we could get our money back and today the XXXX or XX/XX/2021 we called them and they proceeded to tell me it wont be back into the account for another ten days and then tells us that the only throng they can do is issue a credit for XXXX to our account that we would have to pay back. So now I owe them the money that should of been in my account anyways. They say they are all about customer service but they are not its very upsetting being lied to me o over and over again about how long my money will be given back. Im the only one working in my family and I have three little girls at home to have to feed and by diapers for ... if they wouldnt have lied I could of at least tried to borrow money til my claim was closed but they told me Id get my money back in 5 days well here we are 7 days later and I still havent seen my money. Im very disappointed with this credit union and how they have handled this whole situation. They have zero respect for customers.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and maXXXX have got into the hands of the wrong person.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, has 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 a account without my written instructions. The following Account ( s ) : XXXX XXXX XXXX  Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX  Past Due {$950.00} Pay Status >Collection<
Consumer complaint received 2023-02-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC (OH)

A loan way taken out in my name with my account information. Reached out to the XXXX an the company they stated that they had no record of a loan application, but I have the email wanting repayment. I requested that the loan be withdraw even called an nothing has been done. I have email that I was attempting to communicate.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, and so on.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
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: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2017-05-08
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. (FL)

XXXX  incorrectly reported late payments to all  XXXX   (   XXXX   ) maj or credit bureaus  (   XXXX ,  XXXX  and TransUnion  ) alth ough the loans were approved for forbearance. Additionally, I addressed this issue with  XXXX  on   XXXX   XXXX    2016 v ia facsimile and  US mail  to no avail.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

student loan on my acct has been closed and updated to good standing. As I was also in forbearance, and report should not have any negative impact on report. All XXXX credit reporting company show past due.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I am a resident of XXXX XXXX. I sent Letters to Capital One Bank informing them of the change of address to my current XXXX XXXX address. These letters were sent on XX/XX/XXXX and on XXXX.I did not receive a reply to either letter. 
. 
I received an undated letter from Capital One Bank in XXXX asking me to close my accounts. Since XX/XX/XXXX I have made numerous calls to close my accounts and to arrange to receive the money. from the accounts. Here is a summary of the calls I have made since XX/XX/XXXX. All the calls were made to this number XXXX XXXX Tuesday XX/XX/XXXX Called to arrange to close account and for check to be sent to my XXXX XXXX address. Provided the address after having my identity confirmed. Bank agreed to send a check to this address. 

Wednesday XX/XX/XXXX Called to explain that check had not arrived. I was now told that the bank could not send the check to an overseas address and needed a US address. Bank admitted it had not contacted me to notify me of this. I was told the account was blocked but not closed. 

Wednesday XXXX XXXX Called to give them a US address after they had checked my identity so they could close the account and send me a check for the money in my accounts. 

Saturday XXXX XXXX Called to ask if the account had been closed and the check sent. Bank confirmed the account was closed on XXXX XXXX and advised the check should reach the US address I gave them by XXXX XXXX. 

Monday XXXX XXXX Called bank to say the check had not reached the address I gave them. I was then told that the address should not have included my name and the address of the institution in the address. This was not explained to me before. I was now told that the check would have to be cancelled and I would have to complete an affidavit form before a new check could be sent. I provided a new US address for this form to be sent to and was told it would take 2-3 days to arrive. 

Wednesday XXXX XXXX Called again today to explain that no letter had arrived at the address I had provided. No explanation given. After being passed from one person to another I was finally told that the only way they could confirm my identity was if I went into a Capital One branch. 

I spoke to a different person each time. I kept a record of one call relating to the sending a check for the proceeds of my accounts to the first US address I gave. I asked for the name of the person I was speaking to and the reference number for the call - XXXX XXXX. 

I have attached XXXX XXXX with the letters I mailed to the bank and the summary of my phone calls.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (PA)

There are several addresses that appear on my report that are incorrect my address is XXXX XXXX XXXX XXXX XXXX PA XXXX 1. XXXX has reported my account which was sold to another agency my personal information is now exposed 2. Many inquiries which I disputed are fraud I also want to add some closed and still appear on my file which I would like them deleted
Consumer complaint received 2022-11-29
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. (CA)

I am very upset! 

I have submitted several disputes by mail to the credit bureaus to fix incorrect and incomplete accounts in which they fail to properly verify. I have yet to receive a response or solution from them. 
I have provided them with a very DETAILED dispute letter, clearly identifying the specific account names, numbers and details as to why it is reporting inaccurate and/or incomplete. 
I have even included screenshots of each account specifying the inaccuracies and incompleteness. 
I have still not heard a response to fix this issue, it has been well over 30 days for them to respond. 
THIS IS ABSURD!! HOW DO THEY HAVE THE LEGAL RIGHT TO CONTINUE TO REPORT INACCURATE INFORMATION WHICH IS CLEARLY IN VIOLATION OF THE FCRA!!!