davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
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)

There are multiple multiple accounts on my credit report that are not mine I have tried going thru the ftc systema writing to the bureuas calling them going thru the furnishers and calling them and nothing is breing done this is criminal to have these items on my account when they dont belong to me!!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : US DEPT OF EDXXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2020-03-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (LA)

I fixed this debt with the collection agency prior t to this third-party collections and it was removed from my credit reports. Now this has brought it back on my credit reports I am asking them to immediately delete it. This debt have been paid in full in the amount of {$400.00} # XXXX XXXX.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

On the XXXX of XXXX I called for a free consultation and authorized Lexington law firm to charge my card XXXX cents to run my report. At the end of the consultation I was told my fee would be XXXX a month to dispute one item. I then told the agent Im not interested in there services. He advices me to speak with a paralegal about price on Monday. I thanked him and told him I wasnt interested. On Thursday the XXXX I saw I pending charge. I called 5 different numbers and was not answered. Called from a different number was answered immediately. Explained I didnt want the service was told I wouldnt be charged and I was. Called 3x on the XXXX now there staring they wont refund my money cause its not in five days. Which the XXXX is actually four days not counting Sunday and if Sunday is counting the XXXX makes the 5th day.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2022 my tax deposit for {$2200.00} was taken from me by Navy Federal do to a fraud and a possible data breach within Navy Federal. 

I needed those funds to purchase food and pay to pay my bills. 

Navy federal was already aware of fraud on my account and Still took my much needed funds. 

Ill be filing a lawsuit against Navy Federal because I was not the individual who overdraft my account in the first place. 

I spoke with the fraud department numerous times and they reassured me that I was not liable for the fraud on my account. I also dont understand how my account was overdraft when I didnt even have overdraft protection. Ill will be taking this matter to the supreme courts to shed light on this horrific event at this institution. 

Ive kept records to validate and furthermore prove my case.
Consumer complaint received 2021-06-16
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. (CA)

There are multiple multiple accounts on my credit report that are not mine I have tried going thru the ftc systema writing to the bureuas calling them going thru the furnishers and calling them and nothing is breing done this is criminal to have these items on my account when they dont belong to me!!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : US DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-06-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They recently used credit card utilization to diminish my score and have in the past, also removing and adding a derogatory remark multiple times and then I was forced to call this company and pay them half of the balance to stop reporting it even after claiming this wasnt my account this was trans union, and XXXX they locked my account and caused multiple hard inquiries on my report after trying for a mortgage I I asked why my account was locked they said I requested it and when I said that I didnt and asked for proof and dates of me doing this and they couldnt give it to me, multiple times I tried to contact them I gave them all my information including new information about my loans and still couldnt verify my identity even though I gave them enough information to steal my identity, so I was forced to mail in paperwork, I cant stand talking to either bureaus because they dont even speak XXXX Im over this already Ive been trying for months to get a mortgage so I can put my family in a house but Im constantly battling these discriminating CD bureaus that make it impossible to get something in life. I was almost to a 700 score before all this happened its like I peaked out on there acceptance for a score ( it has to be so low ) so they had to figure out a way to knock me down. If u ask me what the downfall is in life its having to deal with the credit bureaus and knowing that Im going to be stuck renting a house for XXXX bucks a month to put my XXXX kids in instead of paying a XXXX XXXX dollar mortgage and do it the right way but no I have to be a slave for them and never get anywhere In life or own anything. I watch them like a hawk and Ill be the first one to tell you how corrupt they are its sickening
Consumer complaint received 2020-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

On XX/XX/XXXX, Toyota Financial Services refused to send me itemization of charges assessed with original bills to my XXXX XXXX XXXX car loan. Those erroneous charges are {$2100.00} ( unknown )  and {$250.00} ( unknown ). I want the original bills for proof. 
Otherwise, the charges must be removed by law. 
I want the original bills. 
Next, On XX/XX/XXXX, I cancelled GAP for {$1000.00} and Warranty for  {$3200.00} back to XX/XX/XXXX on XX/XX/XXXX. Non usuage of products and with in 30 days. 
TFS charged me interest from XX/XX/XXXX to XX/XX/XXXX. 
I was told I can cancel these and no interest would be charged and credited back to my account for I never used these junk fees.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX, I have been a victim of identity theft. A XXXX XXXXXXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX  XXXX XXXX inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I was searching for plane tickets and went through different websites. I was in one and didnt submit the purchase but realized that it was went through the my credit card. I immediately called the Bank Of America costumer service. The person on the phone said dont worry it will go away. If not we can dispute it. And I bought another ticket and went out of country. I t was always in my card and didnt go away. When I am back to USA I filed a dispute and they paid me the money. After a couple of months they recharged me the money. And their costumer service was so unreachable. I have spend hours on the phone and still couldnt get the supervisor. They were not helping me to connect with them. Anyways they charged me the XXXX $ for nothing.
Consumer complaint received 2020-03-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2013, signed and accepted a Loan Modification Agreement ( FHA-HAMP Modification w/ Partial Claim ). The agreement we both signed did NOT explain or document that Bank of America would place a second deed of trust recorded on XX/XX/2013 ( Instrument # XXXX XXXX-XXXX ) in the amount of {$85000.00}. Note The Trial Modification documentation with our signatures agreeing to the terms were submitted during the eligibility phase, which Bank of America required multiple pre-signed notary acknowledgements. ( Please see California Notary Acknowledgement dated XX/XX/2013). We did not agree nor was made aware of this lien of {$85000.00} as part of the loan modification trial period or permanent modification, otherwise we would not have agreed to such an enormous amount of money. The financial documentation with our signatures agreeing to the terms of the trial modification were submitted during the eligibility phase, therefore not being forthcoming about the {$85000.00} lien trust upfront. Also, we provided multiple copies from a notary dated XX/XX/2013 that Bank of America used to complete the Modification Agreement. Hence appearing as though we were aware initially about the partial claim amount. There is definitely nothing noted in this Loan Modification Agreement dated XX/XX/2013 document that speaks to the amount of {$85000.00}. Please see Loan Modification Agreement, XX/XX/2013, # 4  ( 1 ) The FHAs subordinate lien will require a balloon payment when I pay off, sell, or refinance the Property, which may make these things more difficult to do. The FHAs subordinate lien may also make it more difficult to get additional subordinate lien financing.

Therefore, there was a breach of contract and Fraud on Bank of Americas part. 
To state a claim for breach of contract, a plaintiff must allege that ( 1 ) there was a valid contract ; ( 2 ) the defendant breached its duties under that agreement ; and ( 3 ) the breach caused the plaintiff damage. Guckenberger v. Boston Univ., 957 F. Supp. 306, 316 ( D. Mass. 1997 ) ( citations omitted ). A valid contract requires an offer, acceptance, and consideration. See Vadnais v. NSK Steering Sys. Am., Inc. , 675 F. Supp.2d 205, 207 ( D. Mass. 2009 ). 
We are requesting to be released from this fraudulent lien of {$85000.00} and this mortgage to be removed from all three credit bureaus.
Consumer complaint received 2021-06-16
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: AMERICAN EXPRESS COMPANY (FL)

I have a fraud alert on my credit report that requires companies in which I apply for credit of any kind to first contact me to ensure it is me applying before running my credit and applying a hard inquiry to my credit report. Today American Express did not do this. I was expecting a phone call so that I could ascertain the validity of the pre-qualified offer I received and then discuss with the person verifying my identity my options before fully applying for the card. This did not happen and I just verified with XXXX  that it should have.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$1100.00}, XXXX - XXXX SERVICE XXXX Date opened XX/XX/XXXX Balance {$38.00}, and XXXX XXXX BANK, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2021-06-16
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. (CO)

I am trying to permanently opt-out of prescreened offers & also want to place a credit freeze on my account. I was able to do this with relative ease for both XXXX & XXXX. By ease I mean that I was able to call both companies and with one phone call accomplish both the permanent opt-out & freeze my credit account. When attempting to do the same with Experian I have run into issues that seem to me to be extraneous. I first tried to call their toll free number at XXXX ( XXXX ) XXXX. After confirming my identity I was unable to accomplish my goal through their automated system. I then tried to go online to https : //www.experian.com/freeze/center.html to do the credit freeze portion. I confirmed my identity but their system wouldn't allow me to freeze my credit account. It gave me an error message saying I needed to contact them in writing via snail mail ( USPS ). I then XXXX " contact a human experian '' and found this number XXXX XXXX XXXX XXXX XXXX. With this number was able to reach a customer service representative named XXXX who works on the XXXX team for Experian. Once again I confirmed my identity, however when I asked him to permanently opt me out of prescreened offers he told me I would have to write a letter ( via snail mail ) requesting so. This is the crux of my complaint. Why would Experian make the process of freezing a credit account considerably more difficult than their direct competitors? On the surface it looks like Experian is deliberately obfuscating this process or at the very least making it cumbersome to do so.
Consumer complaint received 2022-03-26
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. (IN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings (CA)

I had put in a loan with request with speedy cash. Later that day I got a call from a gentle man claiming to be from speedy cash telling me my loan had be approved but that he needed my account number routing number and online backing username and password. I have gotten a loan before so him asking for my routing number and account number didnt set off any red flags. But then he asked for my online banking in my sign on n password. That got me thinking but then he proceeds to tell me that they are going to send us XXXX $ and once the money arrives in my account that I am not to spend it but to go to my nearest convenience store like XXXX and purchase cards with that money and send it back to him. Once I get that done I will be sent my full asking amount of the loan. That is when I got really suspicious and red flags started to go off all over. As I continued to speak to him my wife called speedy cash and asked them what there loan approval process was and explained I was on the phone at that moment with a gentleman claiming to be a speedy cash approval officer. She said we dont ever ask u to go buy cards and sent it back we must deposit it into ur account that's a scam report him. But I was too late because he already had gotten all my bank information. I then called my bank n closed that account changed all my banking online information and then went straight to my bank to talk to the bank manager. Fortunately my wife caught the red flags faster then I did and immediately told me to hang up change me password to online and call my bank to freeze my account I was lucky. He called from a Kentucky area code with a XXXX XXXX accent said his name was XXXX called me from the number XXXX XXXX XXXX. While i was at my bank closing my account he called me 3 more times. Probably because he was in the process of trying to ruin my account but I had already frozen the acct change all online banking info and didnt answer his first call
Consumer complaint received 2020-03-17
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. (PA)

Last year i received several notifications that my information was exposed in several mass data breaches such as the XXXX  date breach and the XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. I have been negatively impacted by this identity theft and request that these fraudulent accounts be blocked and removed from my credit report immediately which is in compliance to the FCRA section 605-B.
Consumer complaint received 2024-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SLM CORPORATION (AL)

In XXXX my niece was attending XXXX XXXXXXXX XXXX and she was in need of a student loan and she couldnt get the loan without a co-signer. Her parents were unable to co sign so I agreed to co sign for {$7500.00}. Her school fail to tell us the full consequences of getting a loan from a private loan servicer. Fast forward I am realizing that the loan amount I agreed upon was increased to {$10000.00}, The amount of the loan is way more than I agreed to, I agreed to XXXX but it is now over {$13000.00} because of interest. I never agreed to be a co-signer for more money. For the past 10 years my niece has tried to pay on time but many times she has failed which has caused my credit to take extreme point hits. She has often claimed that her scores are only penalized a few points opposed to mine. Last month my score was hit with a XXXX point hit. In XX/XX/XXXX it was hit with a XXXX point decrease. Sallie Mae claimed to have tried to contact me to inform that the loan was 60 days behind. I was called a day after my credit score took the hit. My niece has been constantly giving bank accounts with insufficient founds. I am a widow, single parent, who is a unemployed because of health issues, I am a XXXX XXXX XXXX and Sallie Mae refuses to consider my unemployment or my student status but yet I am being hurt the most, and my credit is being hit far worse. Only income I have is Survivors benefits for my dependent son. 

I received no phone calls or emails regarding this last past due amount though they claim it their last attempt to reach me. They didnt call me until after my credit was already hit.. 
My niece knows that I have a desire to get my name off as co signer but she refuses to pay on time for XXXX consecutive months, get a job or keep loan current. 

I have ongoing health issues and recently had a XXXX that has prevented me from working. 
I called Sallie Mae on XX/XX/XXXX to and I asked them about a settlement and I was told by the representative they dont do settlements but as I do more and more research Ive learned that settlements are a possibility. I feel that since my niece is back living with her parents that in a few months she could possibly afford a settlement. With my health issues and being unemployed I dont see how I could ever be a position to pay this loan for her, with my credit score keep taken drastic hits I wont be able to get any future loans.