davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-24
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: CAINE & WEINER COMPANY, INC. (OH)

I am a victim of identity theft there have been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. Please delete/remove the following unverified accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have been a long-term and high volume customer of AMEX. I have a number of secondary cards on my account. When I added the card before thie XXXX, I asked them to expedite the sending of the card, meaning use an overnight service, rather than regular mail. They acknowleged and said they would. But they did n't. It went out regular mail instead. This caused very serious issues and necessitated a change of plans since the card did not arrive in time. 

Last Friday I ordered another card and again asked for it to be expedited. However, because of the previous incident, I wanted to verify that it was, indeed, sent expedited. I called back on Monday and was told that there was some " temporary issue '' preventing them from seeing how it was actually sent, but the reviewed the notes and found that it the notes were clear that it was to be expedited. I called again last night ( Tuesday ) and was told the same thing, except that this time they opened a ticket to figure out why they could n't determine the status. 

I called back today and found that they *again* sent it regular mail and not expedited. But they also say that once they 've sent a card, they ca n't fix their error and send a new XXXX overnight. 

This is unacceptable. XXXX such mistake happens and I let it go. Making the same mistake twice in a row is unacceptable. Being completely unwilling to fix their mistake by sending a new card is completely unacceptable.
Consumer complaint received 2019-06-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX & XXXX XXXX We have had many issues on this short sale file that need to be addressed. Please be aware that we have already spoken to the VA about this file : 1 ) Documents sent to the negotiator XXXX XXXX XXXX at her request have been sent multiple times and have disappeared and have needed to be resent. Does Navy Fed not have a document management system for its loss mitigation purposes? 

2 ) Requests made once the NOV was returned on the property ( we will discuss the issues with getting the VA appraiser into the house later ) seem to be outside of VA guidelines and include : a ) Cutting the commission to 5 % ( we have confirmed with the VA that this request was not made by them and a 6 % commission is within their guidelines. 
b ) Removing the seller side title insurance from the estimate -- - also NOT a VA guideline c ) Removing the Natural Hazard Disclosure fee ( which is required by the State of California that the seller provide for the sale ) NOT a VA guideline. 

3 ) We have never been able to get ahold of the negotiator, nor has anyone in your front end. Now we know that this can happen when file loads are high, but when the VA appraisal was ordered and we showed up to let the appraiser in someone had changed the locks. We called Navy Fed with the appraiser present and was told that XXXX would contact the VA and find out who went out as no sticker or notice was placed on the property. Two weeks went by with us continually calling into Navy Fed asking who had gone out there to change the locks and we were continually told that the negotiator was following up with the VA to find out -- - we have been told that that never happened. To add injury to insult, we received a call from Navy Fed asking us if the appraiser had gotten in a week into this ordeal when I asked if anyone had read the notes or contacted the VA I was hit with silence. In the end, we, not Navy Fed, were able to track down the third party vendor hired even though the vendor had not labelled the property. 

I would like to know the following. 1 ) Why are documents being lost multiple times 2 ) Why on a VA loan are guidelines not being following ( is Navy Fed reporting to the VA that those funds were charged against the NET and then keeping the money? It may sound crazy but both XXXX and XXXX XXXX tried similar schemes and were caught ) 3 ) Why no communication? If your employees dont have time to work the files, just tell us you are backed up. Please dont lie to us about making calls to investors that never happened.
Consumer complaint received 2017-05-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I took out a loan back in    XX/XX/XXXX    with  XXXX   XXXX  to attend classes for my  XXXX   XXXX  at  XXXX .  In  XX/XX/XXXX  I  had a baby and gained a Military fiance ' so needed to put school off due to not able to juggle, baby, working full time and Military man. I called in to  XXXX   XXXX  around   XX/XX/XXXX  to figure out what to do with my loans. I was told I need to pay ov er 1,000 a  month on my loans until paid in full. I advised  XXXX   XXXX  there is no way I can afford this being a single mother with   XXXX   kids. The only option they had for me was to put my loans in forbearance until I could afford the payments. Well my loans pretty much sat there until I had no forbearance left as I never have been able to affo rd over 1000 a mo nth. I received a phone call from Navient who took over my loans from  XXXX   XXXX  stating I was past due. My forbearance had run out. I found out about a lawsuit at this time that allows you to go on a monthly payment based on your pay, the income driven repayment plan. After a lot of headaches and back and forth with Navient, I finally got my payments down to  XXXX  a month. In   XX/XX/XXXX , my year was up and needed to resubmit my proof of income. Since once child turn ed  XXXX  and my pay went up a tad, I now am being told I have to pay  XXXX  a month. I asked if there was anything else I can do because I want to pay, just ca n't afford  XXXX  a month. I feel this loan has continued to grow as it is from the amount I originally took out, I ca n't afford much and the loan is never going away. I feel I was forced into forbearance and find I may have and still may qualify for some kind of assistance.
Consumer complaint received 2019-06-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc. (MN)

F.H. Cann and Associates, representing XXXX, falsely claims they have not received a letter dated XX/XX/2019 requesting validation of alleged student loan debt in the amount of {$9800.00}. They are now unfairly attempting to proceed with a wage garnishment as of a letter dated XX/XX/2019, and have not validated the debt as requested. 

As of writing this, I am mailing a second request for validation of debt to F.H. Cann. This is also the 5th request for validation that has been sent to a collections agency in less than 1 year regarding XXXX. The first four were to XXXX XXXX XXXX and the request for validation has never been satisfied. F.H. Cann, XXXX XXXX XXXX and XXXX have demonstrated blatant disregard for the Fair Debt Collection Practices Act and legal action on my behalf is being considered. 

F.H. Cann and Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I recently pulled my credit report and i have a number of inquiries on my Equifax credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights.

I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. 

I would like these fraudulent inquiries deleted from my credit file immediately XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX US DEPARTMENT OF EDU XX/XX/XXXX
Consumer complaint received 2018-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MS)

XX/XX/XXXX credit card was used without my knowledge or permission, amount in dispute was {$4700.00} ... ..contacted the ccc, informed them of misuse, the card numbers were comprised..the card company wrote the charges off and my credit score suffered badly ... .forward to XX/XX/XXXX, in one week I receive three ( 3 )  letters from companies wanting payment ... .The companies are as follows : XXXX XXXX, XXXX XXXX Phone # XXXX -- -XXXX XXXX XXXX , XXXX, SC. phone # XXXX ... -- -- and Resurgent Capital Services, XXXX, SC -- phone # XXXX -- -- - The CCC wrote the charges off, and I suffered bad credit scores and now being asked to pay a wrote, discharged {$4700.00} ..a year later ... I can't believe this is lawful in any way ... ..harassment of senior citizens ....!!!!
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

This marks another instance of reporting identity theft victimization. Pursuant to the Fair Credit Reporting Act Section 605B ( a ), it is imperative that you promptly remove any items opened without my knowledge, consent, or authorization within four business days upon receipt of ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a declaration from the consumer affirming the information 's non-association with any transactions. The following fraudulent items necessitate removal : EXPERIAN : XXXXXXXX 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 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. If you assert the accuracy and verifiability of these items, I request documentation bearing my signature. However, I maintain that no such documentation exists. In the absence of signed agreements, I urge the removal of these items from my file. It has come to my attention through research that you have a pattern of non-compliance with the aforementioned FCRA statute. Should you choose to disregard my request for account removal, I will be compelled to involve legal counsel. I implore you to avoid escalating this matter into a legal dispute. Additionally, I emphasize the urgency of removing any items or information resulting from alleged identity theft within the stipulated four business days. I do not consent to E-OSCAR or any form of automated verification.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 


. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I got a series of emails from Bank of America on XX/XX/23 asking to confirm my email, welcome to online banking, and the online banking account could not be opened- you will need to visit a branch and bring form of I.D . I do not have any accounts with Bank of America, only XXXX. I went to a Bank of America branch on XX/XX/23 and they looked up any accounts linked to my social security number and one popped up. There were no funds in the account and the address on file was an old address I used to live at. Bank of America stated I was the 5th person to come in recently to have this happen to. They advised me to freeze my credit and/or request a new social security number. I called XXXX, XXXX, and XXXX to place a freeze on my credit. I also filed a case with the FTC for Identity Theft.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CO)

I did not receive a bill the first two months I had this XXXX Store credit card issued by Synchrony Bank. Finally figured out I owed money, and they make it ridiculously difficult to pay and charged late fees right away. I think this card is just a scam to earn late fees. I finally now get emails that a bill is late ( never before that ... hmmm ) and the links in the email to go and pay the bill NEVER work. They literally are all broken links with no way to pay. In addition, I set up autopay. But each time it doesn't auto charge me, they say it will skip a month, and then they don't remind you and they want you to set up autopay AGAIN. And the cycle continues. I am not planning to use the card anymore despite the 5 % cashback offered on XXXX purchases. I would like to have all of my late fees refunded to me. Honestly, I have never had a credit card that the issuer makes so hard to pay. I got one email while travelling and did not have all the info I needed ... then it gets later ... it literally takes a few days to figure out how to log in and pay each month. Meanwhile, they rack up late fees. RUN AWAY!!!
Consumer complaint received 2023-07-13
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-18
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: BARCLAYS BANK DELAWARE (TX)

In XXXX, I received a call from Barclays Bank that my PIN on my XXXX MasterCard had been changed, and had I changed it? I said no, I did not. The representative said no problem and that he would issue a new card. 

A few weeks later, I get a card statement saying I owe some {$4000.00} on my card for cash advances. 

I call and explain that I did NOT use this card to take out any money, that the PIN had been changed without my knowledge and that charges had been made without my knowledge, but that SHOULD have been noted by the card representative. 

They start a fraud investigation. A few weeks later, they send me a letter that it was me who withdrew the money and that I owed it. Repeat this three times. Finally, they send it to collections.

Collections calls, and I explain, and they send it back to Barclays. Months later ( XXXX ) collections calls again, says my fraud claim was denied. I ask them to take it back to the bank and they did. 

I get a letter today XX/XX/2020 saying they did a thorough investigation and it is not fraud and that I am responsible for the balance. 

I tried calling their number but no one ever picked up after an hour on hold. 

I did NOT withdraw those funds. I have not used that card since right after I opened it. It was my backup card.
Consumer complaint received 2020-09-24
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. (CA)

in XXXX I filed disputes with the Experian, XXXX  and XXXX. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/year> I obtained a copy of my consumer report from the consumer reporting agencies ( XXXX, XXXX, Experian ) I noticed multiple accounts furnished with inaccurate information. I had previously contacted these corporations requesting an investigation however to no avail. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been properly verified nor have I ever entered into a consumer credit transaction with these corporations. According to 15 USC 1681s ( a ) you are required to provide adequate evidence for maximum accuracy in your reporting. A copy of a legally binding contract with my wet ink signature will suffix between these companies in myself if this evidence can not be provide after your investigation then you must according to the FCRA permanently remove these items from my consumer report because they are causing grave damage to my overall character.
Consumer complaint received 2022-09-01
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. (CA)

Fair credit reporting act, Account XXXXXXXX XXXX XXXX  XXXX Account number XXXX has violated my right. 

15.4.s.c.1681 section 604 A section 2. 

Please remove account.