davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NY)

XX/XX/XXXX. 

Background : I have two loans with Sallie Mae. 

They have two separate payment amounts, x and y. 

I am supposed to pay " x '' and " y '' amounts. 

X and Y add up to 1000 dollars. 

Issue : I accidentally payed the XXXX dollars to just " x '' instead of XXXX to " x '' and XXXX to " y ''. 

Their was no system in place to check that I made this mistake. 

Not only did I begin receiving robocalls about a missed payment, I was charged a late fee that I was unaware of. 

How does a XXXX XXXX company fail to disclose that? Should that not be boldly displayed on their website when you are making a payment? 

Today on XX/XX/2019, after 5 years of being with them, I was made aware of a 5 % fee of whatever the remaining balance is in 15 days. Another disclosure that I was not made aware of.
Consumer complaint received 2024-03-15
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. (OH)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account XXXX ) that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX : {$2400.00} XXXX XXXX  XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$2000.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  NA XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$4700.00} XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Consumer complaint received 2023-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I received a collections letter from Capio Partner for {$3500.00} for a hospital visit in XXXX. I overnighted a letter requesting validation of the debit on XX/XX/XXXX, and Capio received it on XX/XX/XXXX. I received a response on XX/XX/XXXX, well after 30 days. I received a black-and-white printed statement. The address printed on the information was an old address from XXXX. I negotiated and paid this deficit in XXXX before preapproving for a mortgage.
Consumer complaint received 2024-03-15
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (ME)

I took out a loan with Affirm to purchase a ring on XXXX XXXX. The Ring did not arrive by XXXX XXXX can cancelled the ring .XXXX  was the company selling the ring. XXXX XXXX shipped the ring on XXXX XXXX. I did not receive the ring till XXXX. I returned the ring as it was cancelled. The Ring was shipped via XXXX  I have the return packaging. XXXX realized it made a mistake as it's driver forced my XXXX XXXX XXXX to sign saying it was a XXXX Gift and your dad would be mad. XXXX XXXX XXXX can not sign contracts. The Ring was returned to XXXX XXXX and then Affirm charged me .No ring .Just a bill. I complained for 4 months. I had a XXXX on XXXX XXXX. My XXXX  child was XXXX. I am XXXX  XXXX. Affirm did nothing to investigate.I have documented evidence in a letter that Affirm lied and XXXX XXXX  lied to the California Attorney General saying they shipped the Ring on XXXX XXXX. The XXXX box shows the date 1week later. I complained to you the FDIC., And multiple agencies in the US govt. No one did anything .bNiw fast forward. My credit has been ruined for almost 4 years and XXXXXXXX XXXX XXXX XXXX XXXX was one of the companies that underwrites the Affirm loan. They said that they have nothing to do with the Affirm loan but just recently I had a loan cancelled by XXXX because of an internal review by XXXX XXXX XXXX The Affirm loan went on my credit report after a XXXX article about single sale financing. I want the Affirm loan removed from my credit report and I want XXXX XXXX to stop hiding behind underwriting status when they know a bank or lender screws up like Affirm but then be an internal reviewer for XXXX you can not have it both ways.
Consumer complaint received 2022-10-17
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. (SC)

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 15 USC 1681. 

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 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 2017-07-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MD)

I was approved for a {$600.00} loan on  XXXX   XXXX ,  2017 . The {$600.00} was deposited into my checking account on  XXXX   XXXX . The first payment of {$180.00} was withdrawn from my account on  XXXX   XXXX . The  2nd p ayment of {$180.00} was withdrawn from my account on  XXXX   XXXX ,  2017 . The 3rd payment was withdrawn from my account on  XXXX   XXXX . On  XXXX   XXXX  I also called  XXXX  to make sure my loan would be paid in full after the  4th payment. I was then informed that my payoff balance was {$590.00}. I asked how that could be and I wa s told I was paying mostly interest. On  XXXX   XXXX ,    2017  I paid {$590.00} in addition to the 4th payment of {$180.00}. They would not let me pay {$590 .00} ( my payoff balance ) only. I expected a high interest rate for the loan but their interest rate is approximately 600 %. I ended up paying {$1300.00} in total for a {$600.00} loan that was repaid in approximately 7 week s time.
Consumer complaint received 2022-10-17
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. (SC)

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 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXT 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 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 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I opened a correspondence with Capital One Visa. I had a yearly user charge with apparent arrears and a charge on XX/XX/XXXX to a people search vendor. The card number was expired on XX/XX/XXXX. It was never activated with new card and card was never used. I was on the phone for 40minutes with 2 different people who could not figure out anything other than putting me on hold. 1. The charge of XXXX was fraud ... 2. How is charging yearly fee on a non activated card legal.. The call on XXXX started at XXXX went till past XXXXXXXX. I was on hold longer than actually having someone help ... Language barrier will also be an issue here ...
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Good Morning, I'm seeking your guidance for a concern with one of the three consumer reporting credit agencies, Experian. 

I have my credit frozen with Experian. I paid for their service, I kept the correct PIN and login. For no reason, when I went to un-freeze my credit yesterday, they say they need more proof to un-freeze my account. This despite having all the required information. 

What's worse, FAR WORSE, they are demanding I send a copy of my social security card, copy of driver 's license and another bill... .in the mail! Just handing over my identity to the mail. NO WAY! 

There's no customer service number, no contact, no help. You literally can't call. 

This is not right. They are demanding you put your identity at risk, and offer no alternate means or even means of contact. And for no reason, I had all the required information for a service I paid for. 

This is not right and that company needs regulation. And we, the consumer, are stuck with them. 

*I should be able to access my information if my login is correct. 

*They should have a real customer service number. 

*In no way should I ever be asked to mail my social security number and ID in the mail. They should have secure, electronic means to do this. 

I'm asking for your help addressing this. Thank you.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2023-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

Good morning, I'm being approved for the Homeowner Assistant Fund Program since XX/XX/2022 for 17 future payments. Since XX/XX/2022 I'm trying to find where my payments are for XXXX, XXXX and XXXX. Every time I called ; they responded that no checks are arrived. HAF are sending the checks every month and when I contact them, they have the checks for XXXX, XXXX cashed already. This is the first time that the posting of the payments is taking so long. The last time that American Financial Network responded me complain they reply to the following. : Dear XXXX XXXX, American Financial Network , Inc. ( " AFN '' ) sympathizes with any frustration you've experienced with loan payments. Please note that as we previously advised you, your payments are handled by our third-party servicer, XXXX. Their phone number is XXXX. Calling them directly is one possible way to get current information on your payments. 

When I called the number, they gave me is American Financial Network, so I don't understand why they are saying that is XXXX. I can't communicate with XXXX by phone or email only with American Financial Network.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/XXXX I sent a message to Chase.com on their website that the new credit card offer I responded to included a {$250.00} statement credit after first purchase. The credit card offer was posted on United.com. I was told by United that in order to qualify for this, I had to purchase airline tickets via another means and then apply for credit card and then United would issue a refund and then charge my Chase credit card for the airline tickets, in order to qualify for the {$250.00} credit. United said that the airline tickets would qualify for my first purchase. And, refund and charge to Chase credit card had to be done prior to flights. My flights are for XX/XX/XXXX. Once I was approved, I called United and they issued a refund and charged the Chase card for the airline tickets. The {$250.00} credit did not appear on my statement. This offer is clearly posted on United.com 's website. The response from Chase was that offers change on-line daily and that I was not entitled to the {$250.00} credit because that offer is not available. And, when I signed up the offer was XXXX bonus miles after spending {$10000.00} on purchases in the first 6 months from account opening. I have copied and pasted offer below from United 's website, it is still posted as I am writing this complaint.

Get rewarded UnitedSM Explorer Card Chase United MileagePlus Club cardApply Nowfor the UnitedSM Explorer Card *Offer Details | Pricing and Terms {$0.00} Intro annual fee for the first year, then {$95.00} XXXX bonus miles after qualifying purchases + {$250.00} statement credit after your first purchase*
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX {$240.00}
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (FL)

My mortgage loan will be satisfied completely XX/XX/XXXX. My payment for taxes and insurance are both due annually in XXXX. they were paid in XXXX and will be due again XXXX. 
I requested to stop escrow deductions and return balance in escrow. I was told by someone on the phone I can submit the request in writing and this will be done. I did so XXXX XXXX at the Branch on XXXX XXXX in zip code XXXX. The person stated that I have to wait until after loan is paid off and I will be refunded I think she said 7-10 days afterwards. 

I have made two more requests directly via my account. Last month I paid only principal but the bank took the escrow out of my account.
Consumer complaint received 2023-03-09
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA 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 2023-05-23
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-15
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. (MI)

Goodevening ; I have found on my credit report inquiries that do not belong to me and I have asked XXXX TRANSUNION AND XXXX TO REMOVE FRAUDALENT inquiries XXXX XXXX  XXXX  ( bank ) XX/XX/XXXX, XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX, XXXX /XXXX  ( Construction ) XX/XX/XXXX, XXXX  XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX & # XXXX ; XXXX  ( Hotel and travel ) XX/XX/XXXX, XXXX The berau companies have recently have a settlement for not complaying with federal law and removing fraudalent things out of peoples report and now they doing it again by not letting me get a mortgage with this inquiries that are fraudalent. I ask please to remove all those inquiries that are not mine
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-03-14
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. (AL)

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 15 USC 1681.

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.