davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

On XX/XX/year>, I called Navients Office of Consumer Advocate at ( XXXX ) XXXX and requested the School Misconduct Discharge Application. 

I attended XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which is an XXXX XXXX. ThXXXX XXXX XXXX  were found to be predatory institutions. 

I urgently need my Private Loans with Navient to be discharged, hence my immediate request for the application. 

Navient Consumer Advocates did provide me with the application because the school was a non-profit ( not true ).
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (NC)

I as of late sent a question letter to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm documenting this grievance against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Consumer complaint received 2020-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I deposited {$500.00} in cash in a Bank Of America atm located at XXXX XXXX and XXXX in XXXX, AZ on XX/XX/2019 at XXXX, and was since told that my checking account was closed and as of XX/XX/2019 I haven't received my funds back. 

I am unsure what to do at this point. I have sent numerous emails beginning on XX/XX/2019 to XXXX XXXX who states she is the Chief Client Care Executive and XXXX XXXX XXXX who states he is the CEO. As of XX/XX/2019, I haven't been able to get an update from the regulatory specialist XXXX XXXX that said he would contact me on XX/XX/2019 to get resolve, the executive department or anyone willing to assist.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (FL)

All of my accounts associated with this particular bank have been compromised as a result of fraudulent activities. Upon contacting the bank to contest all of the transactions, they merely replaced my credit cards and resolved the dispute on the same day. I have also submitted supporting documents for my other accounts to substantiate my claims. 
Unfortunately, my accounts remain in the negative, with no one having reviewed the provided documents, and they are still being utilized at this very moment. It is imperative that my accounts are restored to their original balance as soon as possible. Currently, only one of my bank accounts has issued a refund, while the other account with Chime has not taken any action. I have been a customer of this bank for six years and have never encountered this issue before
Consumer complaint received 2023-01-13
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. (FL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-01-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

well according to Mr cooper all of this has been made up in my head and they are so sorry for my dissatisfaction After all the lies and trickery last year and skating by on technicalities They continue to call me even after I filed a Cease and desist with the FCC. They made nasty malicious lies about how Im attacking them fabricating facts or trying to get free housing or words to that effect this complaint just shows MR COOPER IS A XXXX  again ill attach the letter where they claimed that they needed time to get my number removed etc and another saying that they wasn't aware of this and they will cease communications with me cause of nasty emails i sent. WELL I WAS SENDING NASTY EMAILS CAUSE YOU LIE ALL THE TIME AND HURT PEOPLE. IVE BEEN HURT AND IM FIGHTING AGAINGT A HUGE COMPANY AND IM JUST ONE PERSON and it hurts to have to deal with the lies and people not admitting when they are wrong and passing the blame on the small guy SHAME ON YOU MR COOPER!!!... OH NOOOO THIS IS REDUNDANT INFORMATION AGAIN CAUSE YOURE DONG IT AGAIN AND it gives credence to what ive been saying all before about all those OTHER pesky errors you love to REFUTE so much ... YOU CAN NOT be trusted to do the right thing even after you put it in writing to appease the regulators your deception is so obvious ... SHAME ... NO HONOR.. XXXX!! Mr cooper you even used my " nasty '' emails when i was angry and emailed after you lied to misrepresent me so you used that to make it look like your hands are tied and Im just unreasonable SHAMEFUL attached is the call that occurred this year, the docket number with the FCC complaint i Filed in XXXX last year and Both of Mr COOPER letters lying to CFPB and the Pa Attorneys general and a Pennsylvania banking an securities email as well in where im telling about Mr coopers Tactics
Consumer complaint received 2019-11-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Resource Systems, Inc (OK)

I found this information in my credit report but was not notified via mail phone or otherwise. I am currently on XXXX and can not pay all at once it is for {$100.00} for XXXX XXXX  which my insurance paid them XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (TN)

I defaulted on this vehicle loan more than XXXX years ago. This loan is still on all of my credit reports. I requested that this company give me proof of what this vehicle sold for at auction. I never received this information and it has been more than XXXX days. I also requested that the company give me proof of when this loan first went into default. I never received this information and It has been longer than XXXX years and I would like for this to be removed from my credit report as per federal fair debt collection act.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

Monday, XX/XX/XXXX In XX/XX/XXXX, I contacted the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX | XXXXXXXX XXXX XXXXXXXX, ( XXXX ) XXXX |Fax : ( XXXX ) XXXX. Informed me on XX/XX/XXXX they send Comenity Bank a letter regarding this matter, and if it still wasn't resolved, contact the Consumer Finance Protection Bureau. 

The XXXX account with Comenity Bank in XXXX ; the payments were on time. However, instead of XXXX placing the funds toward the XXXX account, the funds were attached to the XXXX account, which was also XXXX ; no clarification how that happened. In the meantime, I wrote a letter to close the account until the matter was resolved. 

The balance has been XXXX for at least several months ; Comenity Bank informed me to reactivate the account, I would need to write a letter stating to activate the following cards XXXX, XXXX, and XXXX. As Comenity Bank advised, XXXX XXXX, I wrote a letter ; however, XXXX months have passed since I wrote it the letter, and the few times they were called, they still will not remove the code. In addition, Comenity Bank never provided any feedback regarding the letter or the account.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc (CO)

I received a letter in the mail saying that I owed on an account that I never had. They are trying to get me to pay a reduced amount for the whole of the account. They sent a fraudulent bill. I checked my credit report and the account is not there. I am contacting this department to report them for fraud.
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (GA)

I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries : 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  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ALLIANT CREDIT UNION (CA)

I have a credit card with Alliant Credit Union. There is no option online to close an account, not even a mention of it. 

I called their customer service line in XX/XX/2020 Of all the options in their automated voice system, none of them included " close account. '' Still, I persisted and jumped through the myriad hoops to try and get to a live human. 

The first time I got to the " a representative will be with you shortly, '' response, my call was disconnected without explanation. 

The second time I got to that prompt, I waiting 17 minutes only to be sent to a ringing phone line. I stayed on the line and was sent to a full voicemail with no options ; again I was disconnected. 

The THIRD time I found myself waiting to speak to a representative, I have now waiting 26 minutes and have yet to speak to a person. 

It is apparently not possible to close an account, despite their ( false ) marketing that their phone lines are open 24-7.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XX/XX/year> I attempted to make a purchase using my AMEX Business credit card and was declined. I contacted AMEX only to find out/be told that my credit limit had been reduced because of inquiries, other credit limits and my XXXX score. I entered into a contract with AMEX on XX/XX/year> with a {$5000.00} credit limit, 2 weeks later I looked online at the credit limit was {$3000.00} ( no correspondence was sent explaining why ). XX/XX/year> AMEX ran my credit without my written or verbal permission to pull a FICO of XXXX and at that time decided to lower the business credit even lower to {$900.00} and sent a letter on XX/XX/year> that still has not arrived. I asked 2 representatives on XXXX XX/XX/year> for a copy of the initial credit report pulled, initial contract we went into with the {$5000.00} credit limit, a copy of the credit report pulled on XX/XX/XXXX XXXX and a copy of the decision letter. I was told that those items were system generated and that they could not send me any copies, I asked why and was told that any correspondence sent by AMEX is system generator and that AMEX has done nothing illegal by reviewing my credit to make a decision to increase or decrease my business credit. When I spoke up and said that I had not given written or verbal permission to run my credit I was told that it was a summary review and in the initial credit card agreement I agreed to allow AMEX to review and run my credit for updates.
Consumer complaint received 2022-06-01
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. (TN)

In accordance with the Fair Credit Reporting Act US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2020-06-09
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: EQUIFAX, INC. (TN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$17000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (WA)

I submitted a dispute of a collections account due to not having any knowledge of the account and not receiving any response after requesting validation from the collections agency. Both TransUnion and XXXX investigated and removed the collections from my report. Equifax was the only major provider to refuse to remove the collection. It's absolutely clear that Equifax did not properly investigate this dispute as required by the FCRA.
Consumer complaint received 2020-06-10
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. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$680.00}
Consumer complaint received 2020-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-09
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. (VA)

XXXX XXXX  XXXX is still claiming a past due balance to credit reporting agencies despite being paid off with collection agency. My account was settled with the collection agency back in XX/XX/XXXX. XXXX XXXX  XXXX updated my credit report to show " charged off '' for every month of XXXX and lowered the balance but still showing a past due balance of {$850.00}. I have a letter from the collection agency advising the account is paid off and at a {$0.00} balance. I sent a dispute through Experian with a copy of the letter from XXXX XXXX XXXX dated XX/XX/XXXX stating the account was settled in full with a XXXX dollar balance. First premier still closed the dispute stating the balance was verified accurate even though it is not. Meaning they are knowingly reporting false information to my credit report.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I have tried several times with this company to resolve my disputes and have had a couple EMPLOYEES even admit that they see no reason as to why my disputes we're denied and now the bank is telling me that in outta luck and that they will not help me any longer. Awful company, supposed to be protecting my money yet are helping fraudsters steal it and not returning it. I just want my money back but they claim that there's nothing they will do ( not that there's nothing they can do but that there's nothing they WILL do ). This is a joke. The fact that even their employees admit that there's no reason for them to deny the disputes speaks volumes. If they fail to resolve this I am taking my business elsewhere.