davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Account is over XXXX years old.
Consumer complaint received 2022-04-06
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. (CA)

Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Account is over XXXX years old.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (WI)

Huntington is refusing to provide me a XXXX XXXX notice for held funds and they are also refusing to provide me information such as account balances and online banking access. They told me I am not able to use the account for upwards of 60 days.

Huntington is also not allowing me to make a deposit, or mobile deposit to the account and they are stating that they will charge me a fee if I do not make a deposit, even though I am willing to do so.
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

On XX/XX/XXXX i called XXXX about my account ... a School loan debt forbearance. In late XX/XX/XXXX/early XX/XX/XXXX, i submitted a loan debt forbearance form ( but with the input of wrong dates ). I did get info that my request was pending on my XX/XX/XXXX request. I called on XX/XX/XXXX and the representative said the form submitted on XX/XX/XXXX was deleted because it was a duplicate request ; it was not a duplicate request. It was request with different dates and a different form. 

The representative sent an inquiry to the claims processors for adjustment and stated i would hear from them in 3-5 business days. Its been longer than 7 business days. Ive sent in 2 online inquiries since and have not received any feedback about my conflict.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Atlanticus Services Corporation (WA)

I got approved by this company for a loan to purchase some furniture, everything was ok at first until they decided to change my contract to their benefit without notifying me about the change, when I call them they were extremely rude about the situation, I decided to pay off my loan and asked to close this account, I did not want to have any type of business with these people due to the fact that they have poor customer service, almost a year late I get a call from them asking for a late payment, so I call back and ask what this was about and according to them I owed a maintenance fee, when not once in almost a year later did this people made an effort to contact me about any maintenance, so I'm not about to pay any fee for a service that was never render. 
They stated that it would be removed, even though they did not have it on file, ok, so I asked for an email confirming the change, which they refuse to do, they also refuse to let me speak to the manager to solve the issue.

I want people to know that this is not a very friendly company, they will try to get your money with the so call " maintenance fee '' be really careful, revise your agreement make sure they don't change without you knowing it or prior notice. and the fact that they don't want to send emails confirmations or let you speak to a manager to resolve an issue, to me shows they have something to hide.Send people
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

someone stole my identity and obtained this account I have notified the Experian and the others that this account is a result of identity theft and I would need a verification but evenso it would still be invalid because XXXX off is a result of identity theft and now is hindering me from getting a business loan and support my business to pay my XXXX XXXX and support myself, please look into this and reconsider and remove off my reports because this is keeping me in a bad financial hole.
Consumer complaint received 2022-04-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: The CFM Group (NM)

The loan was sold without my knowledge, during COVID. The original loan was held by XXXX  XXXX XXXX and unknowing sold to DCR.. The Loan with XXXX was automictically debited from account. During COVID, the loan was abated for over 9 months, during this time the loan was sold. The new mortgage company DCR, never sent statements to this date.
Consumer complaint received 2023-08-06
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: CREDIT ACCEPTANCE CORPORATION (TN)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA claims that I had a payment hit on XX/XX/16, but it declined. I see they charged me a fee if {$29.00} the next day which ironically is the same day a deposit was made. A week later they claim there was a retry and thus I got another fee. This is such garbage. The day the fee hit I had a deposit big enough to cover it.
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

My original loan was for with Sallie Mea at XXXX college I was paying my loan XXXX College the school was discredited making my schooling useless They are on the hook not my family ... I never got a job as a XXXX XXXX XXXX which I was at the top of my class .Navient is the new creditor harassing me.
Consumer complaint received 2023-04-01
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. (MA)

Delete all the fraudulent inquiries. as listed below. 
XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/2023 at around XXXX I was at the STATE EMPLOYEES CREDIT UNION ATM at XXXX XXXX, XXXX, NC XXXX. I went to deposit {$1.00} into my checking account to make sure it works and it took it so I deposited {$1100.00} and the screen shut down and dispensed ONLY XXXX {$1.00} bills back which were the bills I had just put in but never deposited the money into my account and then the screen said no cash deposits at this time
Consumer complaint received 2022-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My wife and I have been working for over 6 weeks with a local title company to obtain a paid in full letter or lien release for a loan we had with Truist Bank. Our Home Equity Line of Credit was originated by Suntrust Bank who merged with Truist Bank. Our HELOC was paid in full on XX/XX/21 and was never released/reconveyed by the Lender. My wife and I and the Title Company have made dozens of calls and sent numerous emails to Truist to resolve this issue. Truist has no record of our HELOC but has promised numerous times to mail out a paid in full letter. This has never been done. We are now about to be XXXX  as we have only a few days left to send over funds for a home purchase. Truist Bank has 75 days by law to provide the lien release and is in violation of the law. We need this issue to be resolved IMMEDIATLEY!!
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

I have had a home depot card through citibank and they have closed my account with no fault of my own no balance and the reason they did is not true and do not know where they come up with there fictitious reasons this is the second time they have done this and have no regards to someones credit and how they expect us to have good credit when they first give you a credit limit of XXXX and then XXXX and then today the said they closed my account have never missed a payment and said there was something on my credit that is not true my accounts are all current and there has been no late payments and have not to them at all this is the second card they have done this too me do they ever think how this hurts the home depot which has been having problems can understand why i mean what kind of people are they giving credit too i think this is unfair without them investigating most things are wrong on your credit reports anyhow which is unfair to us i mean first of all we get a ding for applying for one and then lower your credit limit and then that is another ding and then close it that is a major ding im so tired of these companies getting away with hurting our credit when we pay our bills and work very hard to do so XXXX XXXX
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Automotive Servicing, LLC (TX)

This Account Below should be closed but is reporting open on my XXXX XXXX and XXXX credit reports. The XXXX was bought back from actual dealer ship and sold. This loan is reporting open when it should be closed. 

Account STRATEGIC AUTOMOTIVE SER XXXX {$8400.00} {$400.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/2021 Payment Received {$400.00} Last Payment Made XX/XX/2021 High Balance {$9600.00} Pay Status Current ; Paid or Paying as Agreed Terms {$400.00} per month, paid Monthly for 24 months
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

( CCB stands for Comenity Capital Bank ) I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

It's WhiteFlower again, on the XXXX of XX/XX/2021 I got a response concerning my complaint, I'm really frustrated with what you people are doing to me right now, paypal is working based on limited information, I've waited six months, approximately 180 days, now you say it's because I received benefit from Ohio and I live in Texas, do you know which state I've worked before coming to such conclusion, my employer has payed taxes into the system that contributes towards UI funds in the state where they operate which is ohio, so I claim my benefit in the state from where I've worked. You have no right to hold on to my money, I'm going to write to senator Ted Cruz concerning this if I don't get a reasonable response on how to get my money back, because I have all my proof and you guys are working based on limited information.
Consumer complaint received 2018-11-29
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. (GA)

I believe that Equifax 's algorithm needs to be audited as they have adversely lowered my credit score without any explanation other than that I can not despite my credit score. I have paid all my creditors on time and my credit score is in the mid 650 with the other beaures With the security breach that occurred I believe that they are targeting me for no reason. Please do something about this ASAP
Consumer complaint received 2018-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

This is my second attempt to bring this issue to someones attention who honestly cares about the unfair student loan practices from both Sallie Mae & Navient. I am victim of these deceptive practices. 

My monthly payment was way too high, and my interest rate kept increasing. Navient simply would not work with me at all resulting in out of control interest rates on school loans which will be with me until and after I die! I have become a slave to this debt! 

When I ran into difficulties making payments, I was consistently offered forbearance, which allowed delayed payments for a set period of time. But under a forbearance plan, the loans continued to accumulate interest and has become a much more expensive option in the long run. At no time was I ever offered other repayment options or plans. 
As disclosed in the recent disclosures from the XXXX audit from the Department of Education, the agency noted the support of federal and state lawsuits that accuse Navient of boosting its profits by steering some borrowers into the high-cost plans without discussing options that would have been less costly in the long run. 
https : XXXX When I reached out to Navient in XXXX of this year, they offered NO options for me which would work within my financial responsibilities rather offering me a payment plan of over {$500.00} a month. Then, they sent me a letter indicating that my account was placed on hold until XX/XX/XXXX! Please refer to attached. 

Navient and the former Sallie Mae representatives never took the time to truly listen to my situation and would simply drop my loan into forebearance. There were a couple of times where I can honestly say that I had NOT requested this option and then, all of a sudden, Id receive an email about this. I reached out countless times to Navient to discuss. 

I am tired of the years of dealing with Navient and their XXXX they are not willing or wanting to work with the debtors. This is unfair and deceptive. I am seeking your help in fighting this against Navient and plan on filing once again with the Indiana Attorney Generals office who simply swept this under the carpet my first try. I will not stop until I receive some action on this. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-28
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. (MO)

I am submitting this CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I need you to either correct my Credit File by updating and or removing the following accounts off of my Credit File : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXX  XXXX Balance Owed : {$26.00} . I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 


Equifax # XXXX but on my report the number isnt provid XXXX
Consumer complaint received 2022-04-06
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. (NH)

n accordance with the Fair Credit Reporting act 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 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NH)

n accordance with the Fair Credit Reporting act 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 2019-01-16
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. (NV)

I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from XXXX XXXX reporting from XX/XX/2015 As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as fraud
Consumer complaint received 2019-03-31
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: Experian Information Solutions Inc. (WA)

The following hard inquiries show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the following items with TransUnion to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company : XXXX XXXX opened date : XXXX XXXX amount : {$980.00} company : XXXX XXXX opened date : XX/XX/XXXX amount : {$1800.00} company XXXX XXXX XXXX XXXX  opened date : XX/XX/XXXX amount : {$1900.00} company : XXXX XXXX XXXX XXXXpened date : XX/XX/XXXX amount : {$470.00} company : XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX closed date : XX/XX/XXXX amount : {$0.00} company : XXXX opened XXXX : Decemeber XXXX, XXXX amount : {$0.00} company : XXXX XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$100000.00}