davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

During a phone call in early XX/XX/2018, the representative I had a lengthy conversation with, provided unclear information about how to re-enroll in income-driven repayment plans and partial loan forgiveness program. They told me that once I made 16 payments, I could qualify for forbearance and later loan forgiveness. None of it made sense then or now.
Consumer complaint received 2024-03-12
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX, etc
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries made by various entities on my credit report, including 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. 

These inquiries have been made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) which regulates the use and disclosure of consumer credit information. Under FCRA Section 604, credit reporting agencies must obtain written consent from the consumer before sharing their credit information with third parties, except in certain specific circumstances.

I have not applied for credit or authorized any inquiries from the above-mentioned entities, and I am concerned that my personal information may have been used fraudulently. I request that you investigate these inquiries and remove any unauthorized inquiries from my credit report.

I am emotionally distressed by this situation, as it has caused me a great deal of inconvenience and concern. I request that you take immediate action to address this matter and ensure that my credit report is accurate and reflects only authorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC. (VA)

I have emailed and called many times to explain that Im an overseas military subject to scra rights. Exeter repossessed my car even though I was told Id here back from them by many representatives which lead to my car being XXXX with over XXXX of military gear inside vehicle. I was unable to retrieve my coworkers property though third party because of slow property release by Exeter and non communication I am seeking reimbursement for the missing property that doesnt belong to me
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

I was in a no interest promotion with my citibank - Best Buy Visa card for zero interest. A new charge hit my card, and they started putting my payments NOT on my promotional balance, but on the other balance. Therefore, making themselves more money because the promotional balance wasn't paid off by the date where interest would accrue. Of course, due to this, they ended up making over {$600.00} in interest from me. In the past, I had the issue with them on another promo and I emailed the told them that I wanted my payments to go towards the promotional balance first. They made the change. Again, when I noticed this time, it wasn't going towards the promotional balance, I emailed again to request it. They didn't, and then that large fee. I feel like they intentionally do this so that they consumer in the end gets in trouble. They state that they put payments towards the balance gaining interest, but how does that even make sense? Why would anyone rather pay towards a balance creating a small amount of interest and as a result end up paying 100 's of interest on the promotional balance not paid. My promotional balance would have been paid off before the end date. They just want to make more money off the consumer, and it shouldn't be legal. These huge corporations that take government money, end up ripping off the consumer and it's unfair.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (DE)

On XX/XX/2023 I was notified by XXXX that Navient reported my private student loans as 60 days late. I was in disbelief. I was never late on my payments. Actually Navient takes payment from me every month of the 3rd. I check my bank statement and sure enough the XXXX was removed. I never received any statement in the mail from Navient. I never received any invoices from Navient prior to this issue because I found out Navient was sending my information to my co-signers house. My father, who does not live with me or will not open my mail. When I called Navient even the supervisor filed a report for me stating I did infact make my payments monthly. When I called them back to ask what my status was because they never returned my call, they stated the reason why I was late was because the federal interest rates went up and making my payment higher. How is this possible when I am clearly on a payment plan and I was never notified of these changes needing to be made. They were the ones taking this out monthly for me out of my bank account. There was no follow up and no one wants to help me at this point. I have filed to dispute this with Navient at which they ensured me on a recorded line an ombudsman would contact me, and never did. I have also tried disputing these accounts with all 3 credit bureaus. I was in the process of buying my first home when they reported these frivolous findings.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I filed my Bankruptcy on XX/XX/2022. So I called several companies to notify them, including XXXX XXXX, with which I was current on payments. Then, for no reason, XXXX closed my account, cut off my service, and illegally entered my checking account, to withdraw money to pay for XXXX months of service. 
As far as I know, while a person is in the middle of a bankruptcy case no company is allowed to contact customers under that case, however, they sent me bills every month during the XXXX months that the case lasted. 
When I complained to the Bankruptcy XXXX, he called XXXX 's attention because they had acted illegally against the Bankruptcy laws, first by sending me monthly bills and then taking money from my account without authorization. 
But then XXXX sold my information to the collection company XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, phone XXXX. They sent me a bill asking for the payment of the balance of {$100.00}. 
So I called XXXX on XX/XX/2022 ; I spoke with the agents XXXX and XXXX to whom I explained the case that I was protected under the Bankruptcy law of the state of XXXX. So they told me they were going to investigate. 
After that date, they never called me again or sent any notification, until I received a notification from XXXX XXXX indicating that XXXX reported the XXXX account as " Collection/Chargeoff '' on my credit. 
I immediately called XXXX and the same agent XXXX refused to listen to me, mocking my claim, and hung up on me.
Consumer complaint received 2023-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

I am a HUD XXXX XXXX working on behalf of the borrowers. They contacted me because the primary borrower has had a XXXX and has XXXX  and can not communicate and they are behind on their payments. His wife has been trying to reach out to the lender, US Bank, about their HELOC that they are behind on due to her husband 's medical condition. While she is on the mortgage and the title, she apparently is not on the note so US Bank won't talk to her. I have sent in our authorization, signed by primary and his wife, to US Bank but they will not acknowledge the receipt of it. So, essentially we can not communicate with the lender in any way and this couple faces foreclosure at the end of the month. They may be able to reinstate or apply for a workout option, but without being able to communicate about the loan, there is no solution. I have faxed in the authorization to the known fax number for loss mitigation, 3 times, beginning on XX/XX/XXXX, again on XX/XX/XXXX to another number I was given, and again on XX/XX/XXXX and XX/XX/XXXX to the main fax. I have also emailed it to the contact given to me by US Bank, XXXX, on XX/XX/XXXX and 2 more times on XX/XX/XXXX. All times the faxes and emails show successful receipt by US Bank. Today on the phone with them, the first rep told me the system was down and now the second one gave me another email to try and send it to. Last week, they sent me to 3 different departments and gave me a different email to send the release to, and the week before that they gave me 2 different fax numbers to use. I have faxed, emailed and called every number given, and they still say there is no auth on file. This elderly couple will lose their home all because US Bank can not properly upload and utilize a release of information from a HUD Certified Agency.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX in which I did and in agreement that they would remove any XXXX-day late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX-day late for XXXX and a 30-day late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them XXXX and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be XXXX  and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a detailed complaint regarding unauthorized inquiries and false reporting on my Experian, XXXX and XXXX reports. I have been a victim of identity theft, and there have been multiple inquiries on my Experian, XXXX and XXXX reports that I do not recognize. I am a former XXXX XXXX military member, and I was frequently XXXX, which made it difficult for me to monitor my accounts regularly. I have previously filed a complaint with Experian, XXXX and XXXX but I was told that I needed to be more detailed in my request. 
I am requesting that the following inquiries be removed from my Experian, XXXX and XXXX accounts immediately : * XXXX XXXX - XXXX on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Inquired XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX * XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXXXXXX XXXX XXXXXXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXX * XXXXXXXX XXXX XXXXXXXX XXXX XXXX * XXXX XX/XX/XXXX * XXXX XX/XX/XXXX XXXX XXXX Experian, XXXX and XXXX is reporting that I am late on accounts or past due, which is not true. I would like these inquiries removed from my credit report, and I request that my credit score be updated back to an outstanding rating. 

As a former XXXX XXXX military member, I was often away from home and do not have the means to monitor my accounts as frequently as I would like. Therefore, it is imperative that my accounts remain secure and that any unauthorized inquiries or false reports are removed as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (FL)

On Friday XX/XX/2023, I had my direct deposit go into my bank at Current Bank, I checked my account first thing Friday morning around XXXXXXXX XXXX to see that XXXX dollars had been withdrawn from my account, and not by me. I tried calling the bank multiple times since then as I didn't want any other unauthorized access into my account. They never returned my call and have yet to answer my calls. In the meantime, the person that hacked my account, got back in and charges multiple charges and I have yet to use the account at all. I deposited XXXX on Friday the XXXX and due to a lack of banking protocol, all my money was siphoned from my account, leaving me XXXX total, which won't even cover my gas money to get to work. I tried over the weekend, thet were closed, I have tried all day today and they have yet to respond. I wish to report this bank as all my paycheck has been stolen and I feel they did not protect my account and are avoiding speaking with me on this matter. I know the person did not have my account info as it was a new account and the ATM card was in my posession but they used a virtual card. Please help me with this matter as I feel they are avoiding me and will keep my money when I entered an agreement for services with this bank.
Consumer complaint received 2023-10-26
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. (FL)

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2022-04-15
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. (ND)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX 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 2023-03-06
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. (MD)

There is an account on my credit profile from LVNV FUNDING with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and LVNV FUNDING would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general 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.

I have not received any debt validation notice from LVNV FUNDING as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that LVNV FUNDING has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo charged me late fees when I changed my auto debit. I received a warning that I was going to make a double payment when I was only going to make a single payment, so cancelled the payment. Then my payments were a month behind because of their online warnings. They did not reach out to let me know until I saw the issue online. When I had tried to check things earlier in the month their online system was down. They refused to eliminate XXXX late fee of XXXX. They said I could call back in XXXX  year to have it eliminated. They did not take responsibility for the alerts their system generates nor their poor communication. They did not inform me I was behind. They refused to document what they told me on the phone in writing.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

Fortiva Retail credit i already paid the credit and they closed my account and I tried to buy again and the company said my account is closed. After that they charging {$25.00} dollar annual fee. I called and they said my account is open. I have to pay {$25.00} but I don't have credit available. Now my account increased. {$82.00}. Why i have to pay if my account is unavailable. I need help because my account is going to be increased every month
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I'm having trouble with the bureaus resolving an issue with a charged off account. I have contacted all 3 credit bureaus about the inaccurate information being reported on my credit report. The bureaus all came back with XXXX XXXX  being updated and/or resolved, but XXXX XXXX is still reporting inaccurately on my credit report. It's a closed charged off account reporting monthly.