davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (HI)

We refinanced about 2 years ago ( with Flagstar Bank ) and were making auto payments ( double payments, one for regular payments and second amount to principle only ) thru our bank. We recently moved and had to make address change and also wanted to make only one regular monthly payment. Thats when we found out that the first payment was going to regular mortgage and second was not going to principle only but advance payment for the next month. I was very upset, who makes extra payments, and it doesn't go to principle only. I'm sure we set it up when we set up our autopay, but they claim we didn't go online to set this up. According to them, there is a portion online for this purpose. We are in our late XXXX 's and not very computer literate. They claim since we found out about this only now, they could not do anything about the last 2 years. Hope you can help us...
Consumer complaint received 2022-11-24
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. (OH)

I sent this letter as a follow-up and clarification on what items I need to eliminate. to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/2022 Ive already included this in my previous Complaint and I am including it again. 

XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$87.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$620.00}, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX  XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022,
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (WA)

I filled an insurance claim for two lost/stolen items through my XXXX XXXX Credit card with Amex on or around XX/XX/2022. Claim number is XXXX. I provided all of the appropriate documents and Amex denied the claim for reasons unknown to me. The dates of the purchase and the circumstances were totally in-line with the purchase protection insurance. 

In XX/XX/2022 I filed the same claim again ( XXXX ). And went through the process of providing the same documents and additional written explanation. I received a notice in the mail asking me to call the insurance department as they had questions. I did ; after answering the questions, they submitted the claim and told me I should hear back very soon. After a few more weeks with no update, I called the same number and the person advised that I was required to call in and answer questions. I told them I already did that ; they had no record so we repeated the process. I provided all required documents and answered their questions over the phone. In XX/XX/2022, I received a notice that the claim was closed because I did not provide information that they requested. This made no sense. It seems like a scam.
Consumer complaint received 2023-04-12
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$890.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$710.00}, XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-11-24
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need these accounts removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Applied Data Finance, LLC (NC)

I received a 1099C on XX/XX/2023 for the full amount of loan from Personify Financial. Once I logged into my account it was still showing an outstanding balance. I reached out to customer service and the representative advised she didn't have a clue about what I was referring to and proceeded to give me an email address to send the document so that my account could be updated. I emailed the 1099C I received along with the request to cancel my automatic draft and to forward all proceeds they are making off the security interest of this loan to my treasury direct account along with any proceeds they are making from any and all insurance products they applied for on my behalf. The automatic draft was cancelled as requested which lets me know my email was received and read by a recipient. However, no further action has taken place in regards to updating my account nor forwarding funds to my treasury direct account.
Consumer complaint received 2022-10-18
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I attended the XXXX XXXX from XXXX. The school and their parent company was fined by the federal government for fraudulent practices and the accreditation of the program was revoked even though I received my degree. Any student holding federal loans has been given discharge of these loans due to their predatory lending practices and misleading recruitng for job placement. I have previously applied for the XXXX XXXX XXXX XXXX and have had my federal loans forgiven for this school due to the evidence submitted. All Federal loans for this school have also been forgiven regardless of application status for XXXX XXXX XXXX XXXX by the Department of Education as of XX/XX/XXXX. 

When I attended this school I had just turned XXXX and was in the most vulnerable population of students. I had moved across the country and was initially provided with grants to fund my tuition due to my XXXX XXXX XXXX XXXX XXXX One month into attending this school while maintaining a high XXXX I was called into the head student loan servicer office and told my grants were being revoked because they were only for new students. I was forced to apply for private loans with my parents before being able to apply for federal loans. I had given so much and planned for so long to attend this school. I made a decision under high pressure with little awareness for the long term consequences. 

Students like myself should not be left out of loan forgiveness for private loans from this fraudulent lender. 

I have paid my loans faithfully since XXXX and I owe more on my loans than the original principal still after 16 years. 

Navient is about to transfer all of it's private loans to a federal loan servicer XXXX by the end of XXXX. Any money I continue to pay on this loan will never be refunded to me. My degree has no accreditation. I demand this population is considered for relief from these fraudulent, high interest student loans. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (TN)

This is my 13th 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, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WY XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXXXXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX INFORMATIVE XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (NJ)

Consider this as a follow-up complaint to my previous complaint that contained these erroneous items : XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX These records and items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.
Consumer complaint received 2023-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION (MN)

XXXX XXXX ME LLAM y ME DICE QUE SI NO RESUELVO LA XXXX XXXX XXXX EN XXXX XXXX, LA XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

XXXX XXXX points were recently removed from my Citibank XXXX points account, even though I have an eligible Citi credit card with Citi XXXX points. I had already requested that the points be transferred to my remaining XXXX points account with another Citi credit card prior to closing my account ending in XXXX. I would like to respectfully request that the points be reinstated to my account.
Consumer complaint received 2022-12-11
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. (CA)

My loan was sold to XXXX XXXX XXXX at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX XXXX Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of XXXX delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.
Consumer complaint received 2023-11-09
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. (FL)

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am seeking participation in XXXX 's pilot program for school misconduct discharge, specifically for the private loans I acquired to attend The XXXX XXXX in XXXX. The XXXX XXXX employed deceptive practices, including providing false information about job placement rates and using high-pressure tactics to persuade me to enroll and take out private loans. I was coerced into believing that private loans were necessary since my financial aid did not cover the full tuition amount required to remain enrolled at the school. Currently, my private loans are still active, and I have been in repayment with the company for over XXXX years. These actions by The XXXX XXXX have caused significant harm, including postponing necessary medical procedures and delaying starting a family due to the financial strain imposed by repaying the private loans and the fear of acquiring bad credit.
Consumer complaint received 2022-12-11
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXXXXXX XXXX  Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX 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 Section 604 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 2022-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

It's the same issue as every other month and all my prior complaints. I call the HAF to find out why my payment is not showing with my mortgage lender yet and the XXXX lets me know that they sent the payment to Flagstar weeks earlier, but Flagstar sits on the payment and does not apply it in a timely fashion, allowing it to be in default. Last month they assessed me a late fee when I was assured that no late fee would ever be incurred while on this program. We are now rapidly approaching the late fee date again this month and I am trying to get ahead of this issue before it occurs again. Another person that I know who is also on the same HAF program and also has Flagstar had their payment applied almost a week ago and mine is still not posted.
Consumer complaint received 2023-04-12
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. (MI)

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX XXXX Account Number XXXX ( 2 XXXX XXXX XXXX XXXX XXXX account number XXXX ( 3 ) XXXX  XXXX  Account number XXXX ( 4 ) Online information service Account number XXXX
Consumer complaint received 2022-09-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MI)

On or about XX/XX/XXXX I was double charged by XXXX XXXX XXXX. Assured by the desk clerk that there was no confirmation number for the first transaction I added a night and performed a second transaction. On the following day I called the bank because both charges appeared they immediately credited me for the 1st transaction {$250.00}. Later that week they tool the money back. I filed a dispute on XX/XX/XXXX. They credited my account for the amount in dispute XX/XX/XXXX and then took it back a 3rd time on XX/XX/XXXX overdrafting the account!
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I XXXX XXXX noticed so fraud accounts and authorized inquiries on my credit reports. 

Accounts XXXX. XXXX XXXX {$700.00} XXXX. XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$890.00} XXXX. XXXX XXXX  {$1200.00} XXXX. XXXX XXXX XXXX {$7000.00}
Consumer complaint received 2023-09-04
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. (GA)

I XXXX XXXX noticed so fraud accounts and authorized inquiries on my credit reports. 

Accounts XXXX. XXXX XXXX {$700.00} XXXX. XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX  XXXX {$890.00} XXXX. XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$7000.00}
Consumer complaint received 2022-12-11
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: DISCOVER BANK (GA)

DISCOVER FINANCIAL SERVICES has violated me as a consumer. They have abused my rights as a consumer! 
Violation 1 : Reporting an experience!

DISCOVER CAN NOT furnish this information to the CRA 's.

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. 

XXXX XX/XX/XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX