davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

XXXX XXXX nor Navient ever offered or explained all payment options never once mention income based repayment leaving me with higher balance more intrest how can i renogiate for retroactive income based payments?
Consumer complaint received 2022-12-02
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. (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. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was rewarded with 4 American Express Reward Cards in the amount {$100.00} dollars each. So for a total of {$400.00}. The cards have a valid thru date some ranging from XX/XX/XXXX and the others being XX/XX/XXXX. After reading the terms and conditions. Which you can see here. 
XXXX XXXX XXXXl I called the number on the back of the card to get a clear understanding about the availability of the funds on my cards. I was told since the valid thru card had expired that my funds were no longer available. When I asked whether they could issue me a replacement card they stated no. The number on the card XXXX the link to the terms and condition also reflects that same number. Not to mention that it clears states that FUNDS DO NOT EXPIRE The funds on the Card do not expire. 
and that VALID THRU DATE The " valid thru '' date on the front of the Card is the date through which your physical plastic card may be used. This date is required to process transactions at merchants that request a plastic expiration date. Even if the " valid thru '' date has passed on the Card, its Available Balance remains unchanged and intact. If an Available Balance remains on the Card after the " valid thru '' date, call XXXX to obtain a replacement Card or for instructions on how to redeem the Available Balance. 

Lastly the Credit Card Act of 2009 Title IV states Expiration date : Under no circumstances may the cards expire sooner than five years after ( 1 ) the issuance of the gift certificate or card, or ( 2 ) the date funds were last loaded to a store gift card or general-use prepaid card. If a card is subject to an expiration date, the terms of expiration must be clearly and conspicuously stated before issuance. The Act also prohibits imposing fees to replace an expired certificate or card if the underlying funds remain valid to ensure that consumers have full use of the underlying funds for the minimum five-year period. 

I feel American Express is in violation of the consumer protection act and is operating in the manner for some time.
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

Received documents from XXXX XXXX Lakeview loan Servicing regarding my mortgage. 
My current mortgage servicer is XXXX XXXX  upon receiving these documents I called XXXX XXXX. Spoke with XXXX ID # KDO Loss Mitigation, the Covid-19 modification was approved XXXX XXXX, 2022. XXXX XXXX  is processing the modification documents to be mailed to me she said the documents would state the modification terms. I have also read that when you receive documents for the same mortgage loan from to different servicers its dual tracking and that is a mortgage violation. 
I have not received foreclosure documents XXXX rate the debt documents. 
XXXX was my servicer for several years they approved the loan for several trial modification of which I paid the trial payments. Upon the XXXX payment being made they would cancel my modifications. Finally, after several complaints my servicer changed to XXXX XXXX LN # XXXX.
Consumer complaint received 2022-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Ave Student Loan Servicing, LLC (MI)

Someone used my SSN and other info to cosign a loan application through College Ave. When I found out, I contacted College Ave and let them know that it was a case of identity theft and I had not actually authorized this individual to use my info. Fortunately, the loan application was denied and no funds were disbursed. However, I still filed a police report for identity theft with the XXXX Police Department in Michigan Report # XXXX, Contact XXXX XXXX XXXX XXXX XXXX to verify ). I requested a copy of the application from College Ave so I can use it to support my police report and they refused to provide it, despite the fact that it was made using my information. As a result of their refusal to provide a copy of the application, College Ave is preventing me from seeking justice for having my identity stolen and used to fraudulently secure a loan.
Consumer complaint received 2021-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC. (WI)

I was originally financed for a vehicle through a company called Exeter Finance. I recently refinanced with XXXX XXXX XXXX XXXX. XXXX XXXX  sent the check out XX/XX/2021. It was cashed and deposited XX/XX/XXXX XXXXExeter is saying they have not received the check. It has clearly been cashed by their company. We sent it to the correct address made out to Exeter Finance. The cashed copy shows that the check was not tampered with. Customer Service has been unhelpful and unwilling to let me talk to management. My account with them remains open even though they have recieved {$13000.00} for the payoff.
Consumer complaint received 2022-12-02
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. (MD)

I submitted a dispute to all three credit reporting agency and the results are as follow XXXX- the dispute was open on XXXX  they responded saying that they update the account to reflecting a new date of XX/XX/XXXX which is the reason I filed dispute in the first place they are re-aging the account Transunion reopened the account as of XX/XX/XXXX which was original closed in XXXX XXXX XXXX how could they reopen account that was reported closed and charged off by the original creditor. 

XXXX is also re-aging the account reflecting that the account is opened as of XX/XX/XXXX All three companies are violating my rights with re-aging this account in which I did get a response from the original creditor XXXX XXXX XXXX  which does not show where they sent any info to these credit reporting companies to re-age accounts. 
I don't think that these companies did an accurate job in investigating this dispute they never sent me anything about how the investigated or what process they used to investigate.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

I have an issue with my Barclay credit card where, there were some unauthorized charges to the credit card which have been place under review/dispute. Unfortunately these charges created late fees and interest charges that are not been accredited to the credit Card while the dispute is going on. I am afraid that such action by the bank will cause my credit payment history to be impacted and that I will inquire in more late and interest charges as time goes on. 
I have communicated my concern with the Bank and they have advice me to pay all interest and late fee charges as they would not be able to control whats been reported to the credit bureau and waive any additional fees. The bank also ensures that when the investigation is over that they will credit my account with all the fees but would not be able to update the credit report ( meaning the late payments will show in my credit report as valid. ). 
I believe that if there are unauthorized charges to the account and the bank starts an investigation they should not charge late fees or interest charges on the charges in dispute.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Payments on the mortgage have been current since XX/XX/2021. Company acknowledged this but has still not sent updated correction to Credit Bureaus.
Consumer complaint received 2021-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (AZ)

I have a debt with LendingClub where I was paying {$170.00} a month. The balance never seemed to decrease. The last outstanding balance was {$3700.00}. I filed several financial hardships with LendingClub due to COVID-19. I wrote LendingClub requesting to know how to settle this debt. A few days later, LendingClub never responded and sent my account as a charge-off. Now this is on my credit report as a charge off. I am requesting to settle this debt and remove this charge off from my credit report.
Consumer complaint received 2022-12-02
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)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , for committing identity theft. I have never given XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion , theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal Goldman Sachs Bank USA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Goldman Sachs Bank USA the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Goldman Sachs Bank USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Goldman Sachs Bank USA never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have spoken with the company along with disputing it. XXXX and XXXX has correct but transition continues to make me dispute and send results 30 days later saying the information reported is correct. It had caused my credit score to be low.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (VA)

I.Q Data International , Inc has sent me a letter on XX/XX/XXXX that I owe {$750.00} which they have credited to XXXX XXXX XXXX apartments in XXXX XXXX. 
I used to live in XXXX XXXX in these apartments in XXXX, one month before in XX/XX/XXXX I informed them that I am leaving at the end of XXXX, they agreed and signed a paper mutually that everything is clear and they will send my security deposit back to me later. When I called them later asking for my security deposit without any real reason they told me your apartment garbage and lock replacement is the reason you are not eligble to receive it. After almost two years sending another letter from a collection agency claiming the same things and asking for another {$750.00}.
Consumer complaint received 2021-04-14
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: WELLS FARGO & COMPANY (FL)

On XX/XX/2021, Wells Fargo was contacted to let them know about unauthorized transactions on my credit card. They opened up a dispute and on XX/XX/XXXX, they denied to resolve the claim in my favor. With advertisements that state " you are not responsible for any unauthorized purchases made on your card '' it is misleading to the customer that the bank will protect the interests of the cardholder in the event the card is used for an unauthorized transaction. 

The following transactions are the ones that WellsFargo has refused to resolve : XXXX XXXX XXXX CA XXXX, $ XXXXClaim NumberXXXXStatus : Temporary Credit Transaction, XXXX XXXX XXXX CA XXXXAmount XXXX $ 414.89Claim Number,XXXXStatus : Closed - Dispute Declined Transaction, XXXX XXXX XXXX CA XXXXXXXXAmount, $ XXXXClaim NumberXXXXStatus : Closed - Dispute Declined Transaction, XXXX XXXX XXXX CA XXXXAmount, $ XXXXClaim Number,XXXXStatus : Temporary Credit Transaction, XXXX XXXX XXXX CA XXXXAmount, $ XXXXClaim Number,XXXXStatus : Temporary Credit Anyone with eyes can see that this is suspicious activity. I have had this card for over a year and I make purchases all the time with it. It is not difficult to see a customer 's spending habits, where they spend, how much they spend etc etc. Needless to say, this spending is unusual and should have been flagged by their fraud prevention team. 

The reason for denial is because I have made purchases with this merchant before. ANYONE who has ANY XXXX products, will have made a purchase with XXXX. But i spend $ XXXX/mo on subscriptions. Not {$2500.00}!
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a XXXX endorsement on my license and was waiting about six months and never received it. I went to the DMV to inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. The first one that I recall is approximately around the time where this vehicle was allegedly late for the first time that I was made aware of. I used a third-party service to authorize automatic payments for this vehicle and they were not transferred to XXXX XXXX XXXX because they had been diverted elsewhere. I was not aware of any problem until I received a written notice in the mail that I was to hand over the vehicle that I had bought through them. I told them of the issue and that I would catch the payments up and find out what had happened to the payments that I made through the third party service on my own time. They said that they understood and that it would not be a problem and they would not report me as late on these issues. Within approximately six weeks all of the payments have been caught up and I thought nothing of this issue until I saw my credit report recently. In regards to the recent supposed late payments I suffered an injury and could not work on the job that I had at that time. I called them and told them I would make partial payments until all of the balance was XXXX which is what I did. Yet again I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (AZ)

On XX/XX/XXXX I spoke with someone from XXXX regarding an dispute I had submitted to them on XX/XX/XXXX. During the conversation on XX/XX/XXXX, I was informed that the dispute was being granted in my favor and they agreed to send a notification to the debt collection company to remove the account from my credit. They informed me that they send these communications out on Saturday 's, which meant that they would send the communication on XX/XX/XXXX. I looked on my XXXX XXXX account and noticed that the balance had been updated to zero, and marked as " closed. '' I contacted XXXX on XX/XX/XXXX because I was told that it would be removed from my credit. They stated that they had sent that communication on XX/XX/XXXX and that it should have been resolved. I contacted the debt collection agency ( Credit Collection Services XXXX ) and informed them of the situation and asked that it be updated correctly, they stated that the debt was valid and that it was being reported correctly. They stated that they would communicate with XXXX and request for clarification. They did not follow up with me with the outcome of their communication. I checked my XXXX XXXX app on XX/XX/XXXX and there still had not been any updates/changes to it being reported. I communicated with XXXX again today ( XX/XX/XXXX ) and the representative agreed to send me the e-mail that was sent to Credit Collection Services two times prior ( and they said that they would request to send it again ). I called Credit Collection Services and explained the situation again, informed them of the documentation I had, they said I could send it in but offered no other resolution. As they requested, I sent them the e-mail and a copy of the Explanation of Benefits ( that shows I had {$0.00} patient responsibility ) to them by fax to XXXX.