davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NE)

I attempted to logon to my account online the morning of XX/XX/2018 to pay my bill. I was unable to login due to new security measures enacted on the website. I attempted to reset my password, but was only given the option of providing a credit card number in order to reset it, which seems like a security risk as it did not appear the field was encrypted. I then contacted customer service to have them reset my password only to find out that they wanted me to provide them with my card number as well. I do not have the card, as I shredded the card a year ago as I no longer use it and to prevent unwanted purchases. However, I do still have a balance and wanted to pay my bill. The representative informed me that they will order me a new card and transferred me to the fraud department. The fraud department wanted me to provide them a reason why I wanted a new card ( due to lost/stolen cards ). I informed him that the card was neither lost nor stolen and I just wanted to reset my password. He then transferred me back to customer service and told me that it would be no problem to reset the password. The customer service rep again told me to provide him with the card number, which I said again why I did not have the card. I then said to just send me a new card so I can get the card and reset the password. The representative asked me my security questions, which I answered and then asked me for my bank account number. I was shocked to find out that they wanted my full bank account number that is at a different institution. At no time should one financial institution be asking me what another financial institution 's account number is for the purposes of verification, to me, that is a serious security risk. Once the card was issued, he told me to call back once the card is received as he could not reset the password even after the new card was issued. Sending a physical card to my house in order to reset a password on the website seems to be more of a security risk than it is to fully verify my identity over the phone. It should not be this difficult to be able to access my account to make payments and obtain statements.
Consumer complaint received 2017-11-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I pay extra on my student loans every month because I want them paid off as soon as possible. I also make sure to check the box saying I do not want them to move forward my payment date but without fail every month some of my loans will randomly say that I owe {$0.00} for the month. If I set up auto pay and I miss it then nothing is paid on these loans and the interest builds for an extra month without me making a payment on the loans. I have tried to make the payments multiple ways and still I get these loans that say I owe {$0.00} so nothing is paid toward it but the interest grows for that month. I have called multiple times asking about this and all they do is apologize and one lady told me that it was a website issue that is currently being worked on. That was months ago. I just want to pay off my loans as quickly as possible and I feel like Navient is doing everything in their power to make sure I pay them as slowly as possible so they collect more in interest on all my loans. I got myself into debt and I am responsible to get myself out but I truly believe this company is screwing me and others daily laughing all the way to the bank
Consumer complaint received 2018-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (CA)

Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Business Information LendingClub Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Advertising Issues Problem description : In XX/XX/XXXX of this year Lending Club sent me a letter which contained fake checks for {$5000.00}, {$10000.00} and {$20000.00} in my name. The letter told me that I was Pre-Approved for any of those amounts. I ignored them. Then in XX/XX/XXXX my air conditioner failed and was quoted a new one for {$9600.00}. I called Lending Club about their offer and asked them if it was still valid. They said it was then I asked for a loan of {$10000.00}. I was told that I really only qualified for {$2000.00} at an interest rate of about 26 %. They told me that Pre-Approved does not mean Pre-Approved. What it really means is that I can apply for a loan to see how much I actually qualify for.
Consumer complaint received 2017-11-14
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. (SC)

Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP (PA)

Capital management has contacted at a place where is it inconvenient for them to contact me which is a violation of 15 usc 1692c. Capital management has not received consent to contact me at my home. There is no law obligating them to contact me. It is inconvenient for Capital management to contact me at any time or place. Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; Per cfpb complaint number XXXX, it was requested that I not be contacted or communicated with about the placement of this account. Capital management was specifically told to cease and desist as confirmed by their counsel. They have violated my request by sending another letter to my place of abode without my consent.
Consumer complaint received 2017-11-14
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. (TX)

I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.
Consumer complaint received 2017-11-14
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. (TX)

To Whom it May Concern : I am writing to make it be known that both XXXX and Transunion have both continued to engage in unlawful reporting of inaccurate information on my credit report. I have sent both bureaus detailed letters this past XXXX and XXXX, advising them of stipulations under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for continuing to willfully and negligently fail to comply with obligations to furnish me with copies of original creditor 's documentation that are grossly reported inaccurately on their respective reports -- affecting my rights as a consumer to have fair access to credit. 

I have demanded on two reasonably spaced occasions that such documentation be provided to justify their default findings that accounts have been " verified '', but have not been met with any due diligence to ensure that the items being reported are indeed, factually tied to me and that I was the individual who initiated that opening of such accounts.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. 


I am beyond frustrated and exhausted on all fronts in what truly feels as an endless, futile pursuit of justice for what the FCRA protects me from.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

I requested a transfer into my savings account from a linked checking account, via ACH. I later discovered that there the bank applies a five day hold on ACH deposits, which is not disclosed in their materials and is materially longer than the ACH transaction clearing process.
Consumer complaint received 2018-11-15
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: OpenRoad Lending (IA)

XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Open Road Lending made into his XXXX, XXXX and XXXX credit reports, created XX/XX/2018. This was done without his consent. A formal dispute was mailed certified mail with return receipt to Open Road Lending XX/XX/2018 however as of this date Open Road Lending has not replied to the status of the investigation of removal of data from my clients credit reports which is a violation of FCRA.
Consumer complaint received 2022-07-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are items on my TransUnion and XXXX reports that are in accurate. There are duplicate items ( violation ) and companies that are being reported as debt that I do not have a contract with. Please remove these items. If you are able to verify these items please send me the documents that you used to verify these items. I am requesting this for the second time in an informal matter. If you can not verity and send me proof, please remove the Items to prevent further steps on my behalf. My address is included in the letters attached.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ON MY XXXX AND TRANSUNION CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.
Consumer complaint received 2018-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Everything on my credit report has been not only sold to collections therefore I'm no longer responsible for it once they were sold, but it all excceeds the 7yr limit by law n should not be still showing on my credit report ...
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

I sent a dispute on XX/XX/2018 asking XXXX XXXX XXXX to validate debt of {$180.00}. I was looking to get full accounting of the alleged debt. I received an old bank statement from Convergent and without any of the other information requested from my debt validation letter. 
Under the Fair Credit Reporting Act I have the right to demand they disclose all the documentation requested from my original letter that was sent on XX/XX/2018. I do not have a contract with Convergent. Please send bonding agent for XXXX XXXX XXXX in case if legal action becomes necessary.
Consumer complaint received 2022-07-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (OH)

I received a letter from Wells Fargo Bank letting me know someone tried to open an account in my name. I called them and they told me to report it even though they handled things on their end
Consumer complaint received 2017-11-13
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: U.S. BANCORP (NJ)

On XXXX XXXX, 2017 I was contacted by phone by someone who claimed to be my grandson. This person said that he was under arrest and the Police would be willing to set bail, but I needed to get the money to the Police as soon as possible. I was told that I could n't tell anyone about this, including my husband, as there was a " gag order '' on the arrest. I then received instructions to send the bail money by gift cards, and over the course of 2 days, I purchased a total of {$5500.00} in gift cards from XXXX XXXX, XXXX, and XXXX XXXX. 

I received a second call and was instructed to give the gift card numbers to a XXXX XXXX, for my grandson 's release. After I complied, I contacted my grandson, and he told me that he was not under arrest, and it was not he who called me. I then contacted the Police Department in my town, and made a Police report. While the Police were making the report, they confirmed the phone number I was called from, was from XXXX, and was involved in fraudulent activity.
Consumer complaint received 2018-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

Everything on my credit report has been not only sold to collections therefore I'm no longer responsible for it once they were sold, but it all excceeds the 7yr limit by law n should not be still showing on my credit report ...
Consumer complaint received 2018-11-15
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. (AL)

According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX XXXX - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX  XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report
Consumer complaint received 2018-11-15
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. (AL)

According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX  XXXX - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX  XXXX  - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, 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. (MI)

Account # XXXX date is continuously changed to remain on my credit longer than Fed law allows. Each time I dispute the incorrect information the company moves it out even further into the future. 
In reference to Experian reporting : Report # XXXX shows account will be removed XX/XX/XXXX as a result of my XX/XX/XXXX dispute. 
Report # XXXX also shows XX/XX/XXXX disputed then moved date to XX/XX/XXXX Report # XXXX shows XX/XX/XXXX after dispute it was changed to XX/XX/XXXX XXXX