davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I have had a student loan with XXXX XXXX now Navient since XXXX. I have always done my best to make sure to pay my student loans. I 've never been the type to purposely not pay them like a lot of people do. Even with their unreasonable payment plans simply because I know it can destroy my credit. After being on the phone this morning for a total of 75 minutes and spoke with 7 different people. There was no resolution and I was hung up because they refused to transfer me to speak with a manager. I called in XXXX XXXX to have my loan reduced as it was about to increase to an amount that I could not afford. At the time I was also in the middle of trying to purchase a home since I was staying with my parents for 6 months in Pennsylvania commuting back and forth to NY. As the rents in XXXX are similar to mortgage payments, it was time to own vs rent. I was told today by a supervisor named XXXX at Navient that because I decided to take on the purchase of my home, that I am able to pay my obligation to Navient. After several minutes of going back and forth with her ; which I do not appreciate a customer service rep dictating my financial needs and obligations. I was simply calling because the monthly payment plan they put me on is not working with my finances. It is extremely counterproductive how we as students who want to pursue a better education to have better lives have to be held like prisoners because we have decided to be better than the status quo and make the sacrifice to purchase a home. To then to be told and penalized by XXXX XXXX because we have moved forward in life. I truly have not had such a problem with XXXX XXXX up until today. I have asked to make split payments throughout the month to make it easier on myself to meet the monthly payment of {$280.00}, I was told this was not possible and could only be done through direct withdrawal from my bank account. I was told that they could not lower my monthly payment any lower than what it was, they were not willing to work with me to find any other alternative solutions stating that was the ONLY solution they had for me. I 've been paying them religiously for years. I am not trying to be unreasonable and not pay ; on the contrary I am trying to find a middle ground that can make all of us happy. I pay, they get paid. I was rudely transferred to whom I thought was a manager and was told was another supervisor who said to think of him as second in command. I find this very insulting and a complete waste of my time after being on the phone with them for 74 minutes. While I know my story is not as horrific as a lot of other stories out there with people who have dealt with XXXX XXXX ; it 's extremely frustrating to me how they are not willing to work with anyone and hold everyone hostage by their terms. I would like a reasonable payment so that I can continue to pay my obligation to them and they can continue receiving their payment.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are XXXX.
Consumer complaint received 2021-11-17
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Okay so the included documents for this dumpster fire should mostly speak for themselves, so I will just briefly outline what they contain and the broad strokes of this complaint. 

In XX/XX/2020, I had a Capital One XXXX Credit Card with a {$500.00} limit in good standing. 

I also had and still have a Capital One XXXX Checking Account. 

At the time I had been receiving pandemic unemployment checks from the California XXXX still. 

From time to time I would choose to deposit those checks into my Capital One XXXX Checking Account. 

I deposited a sizable amount of money by my modest standards on XX/XX/2020 or so. Just under {$2000.00} I think, all government checks which cleared in the normal amount of time those take to do that. 

In an act of good faith, I chose to use a great deal of my limited unemployment money to pay off the credit balance with Capital One, in full and considerably ahead of schedule. 

The Amount of this debt payment was between XXXX and XXXX XXXX dollars. Note that at this time my account balance WITH CAPITAL ONE XXXX was over XXXX XXXX dollars. 

That payment was made shortly after depositing the funds from the XXXX through mobile check deposit. 

It was visible in my account though when I chose to allocate some of it for payment to clear my platinum card of its current balance. 

Basically, despite the payment being with government guaranteed funds from the state of California, already deposited to the checking account with the SAME INSTITUTION AS THE CREDIT CARD ISSUER RECEIVING PAYMENT / CAPITAL ONE!!!?? 

Yet still.. well see attachments THEY closed down myXX/XX/XXXXcapital one card because THEIR OWN BANK FAILED TO ACKNOWLEDGE MY FUNDS ON DEPOSIT!! XXXX!
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account number XXXX XXXX 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 an account with my written instructions.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account number XXXX XXXX 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 an account with my written instru
ctions.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/24 a letter was sent to Experian discussing a few late payments that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the Fair Credit Reporting Act, Capital One Account and XXXX XXXX account has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose
Consumer complaint received 2022-05-22
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. (MD)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-23
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. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2022-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I received a text from what I thought was JP Morgan chase fraud services stating that someone was trying to XXXX {$2000.00} out of my account and did I authorize the payment I responded with no about half an hour later I got a call from what came up as JP MORGAN Chase on my caller ID and they were stating that I did have an issue with my account in which they needed to transfer funds in the amount of {$1300.00} to myself through the XXXX payment portion of my chase mobile app to fix put a hold on my account and combat the people trying to steal money from my account in which I did so and the money did got transferred to someone else 's account when I thought it was staying in my account and I thought I was dealing with chase fraud services well I was a little off put about it so I went to my local branch afterwards and they said that no one had tryed to contact me through chase and I called the number back and it had the same voice prompts as the actual chase number they gave me the actual chase number to file a claim and they told I was involved in a phishing scam so I did file a claim and they said that because the it was through XXXX it might not be returned and I wouldn't have an update till the XXXX of XXXX and afterwards made a Police report to go with the claim still feeling uneasy I went and talked with a banker at the branch the next day and the woman I talked with was very concerned and confused on why it would take so long to do get a response and why I might not get my money back and was actively trying to work on my case then I guess she transferred out and was replaced by a different woman who also said that I probably would not see my money come back but she called and asked the status of the claim and the next day the bank sent me a notice stating that because both parties mutually agreed no action would be taken and the claim was closed in which I never agreed to such terms and called the online banking number right after and they said they tryed to recover funds but nothing could be done I tryed to contact the branch to speak with the woman I originally talked to I left a message and have gotten no response.
Consumer complaint received 2022-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XXXX XXXX XXXX has employed unified billing for tv, internet and telephone. When I closed my account- their customer service let one of the service run without my consent or knowledge and they attempted to collect this small debt. I had paid them thousands of dollars in fees on time. Yet because of their customer service mistake- they continue to demand that i owe them XXXX dollars.
Consumer complaint received 2023-10-06
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 ACCT 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 2022-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rapid Auto Loans LLC (WA)

The loan with this company was paid in full in XXXX of XXXX. They have tried multiple times to take payments from my checking account since then. I called them on XX/XX/XXXX to try to resolve the issue. I was told I needed to email proof that the loan was paid in full and that I would receive a response once the email was received. I emailed them immediately after this conversation with the statement showing the loan had been paid in full. I did not receive a response from them, and they tried to pull funds from my account once again on XX/XX/XXXX. I sent them a second email regarding the account already being paid in full and stating that I do not give them authorization to take any payments from my account. I still have not received a response from them.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2023-10-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # 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 2019-07-29
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: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

Upon looking over my credit report I noticed an account opened fraudulently in the amount of {$3100.00} I have no knowledge of this account nor did i open this account. I attempted to contact the collection agency with no result or help.
Consumer complaint received 2022-05-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX 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 an account with my written instructions.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to inform the Credit Bureaus ONCE 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 XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I want Trans Union, XXXX and XXXX to add and report the following personal information to my Trans Union, XXXX and XXXX credit report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, XXXX  XXXX ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Start Date : XX/XX/XXXX to present, Annual Income : {$85000.00} to {$150000.00}
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX 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 an account with my written instructions.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

Previously, in complaint number XXXX, I complained about Synchrony Bank XXXX interest charge on my account in XX/XX/2023. Their response was to credit my account with {$14000.00}, which appeared on my statement as a " credit balance '', A short time later, I sent Synchrony a letter asking that they close my account and send me a check for the credit balance. I received a response from them stating that they had closed my account, but that I would continue to receive statements because of the credit balance. No information was given on how to recover my credit balance. Since the account was closed and the credit cards destroyed, I could see no way to get my money back. 
It is now XXXX and Synchrony has sent me additional routine statements showing the credit balance, but offering no mechanism for a refund. 
I would like my money back in cash, check, or electronic transfer. Since they have withheld my money for over XXXX months for no legitimate reason, it would only seem fair that they pay me interest on it. I will settle for 1 % per month for the XXXX months, which is less than half of their APR of 26.99 %. {$140.00} x XXXX = {$730.00}. 
Thank you for your prompt attention to this matter.