davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U.S. DEPARTMENT OF EDUCATION XXXX {$590.00} U.S. DEPARTMENT OF EDUCATION XXXX {$1600.00} XXXX XXXX XXXX {$95.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion DIES NOT have the right to do ANY investigations AFTER XX/XX/XXXX. THEY HAD 30 DYAS, THAT IS ALL THEY GET. BECUASE THEY DID NOT INVESTIGATE IN THE 30 DAYS, THEY MUST BY LAW DELETE ALL ITEMS. THAT IS THE FAIR TRADE CREDIT REPORTING ACT.
Consumer complaint received 2023-04-10
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: Bread Financial Holdings, Inc. (IL)

Community Bank/VCTRSSEC {$220.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$510.00} XXXX XXXX {$120.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$810.00} In accordance with the Fair Credit Report Act. This creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can nit furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of 2019 XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (CA)

I received an unsolicited Visa debit card in the mail at my home. The card also misspelled my last name so likely fraud is involved either with a third party or US Bank not vetting their databases. I tried contacting US Bank via the website and toll free numbers on the form/card and can not reach anyone directly. The number/email are strictly for card activation. If my credit has been run without my authorization I will be taking action.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA Violations Hippa Violations not mine XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX not my addresses 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 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
Consumer complaint received 2020-11-06
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$5700.00} -This is not my account.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I went from XXXX in loans to over XXXX in a matter of an year. The company is n't willing to work out a reasonable repayment but had my payments are XXXX and XXXX and it 's no way I can afford that amount a month. How is it possible for such an increase even with the accure Interest will make my total that amount and such a short amount of time Navient taking over the loans. It is impossible and unreasonable to ask any one to make such balloon payments of that amount.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (GA)

There are several hard inquiries on my Experian report and they're inaccurate. I did not authorize these inquiries, and Experian refuses to remove the inquiries. I spoke with a representative on the phone named XXXX, and he hung up on me.
Consumer complaint received 2020-11-06
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$5700.00} -This is not my account.
Consumer complaint received 2019-04-25
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)

Equifax is reporting incorrectly that I am 90 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

Care Credit offered a 0 % interest rate for all amounts paid in full at the end of 6 months. Twice I took advantage of this offer. Both times, I was told that because I didn't make monthly payments, I owed interest. I explained that the program was explained to me that as long as the entire balance was paid off by the end of the 6 months, there would be no interest accrued. The company did correct the issue and refunded the interest payments. 

However, in XX/XX/2023 they closed my account " after reviewing my credit information. '' At this point, I had never missed a payment, had paid this account in full- the same goes for my Lowe 's Synchrony account. They arbitrarily closed my account to retaliate against me because I filed a complaint against the Synchrony Amazon Card. 

The Synchrony Amazon card has been closed for over a year, but continues to charge me fees and interest, despite the account being closed and not being used - and having been paid off in full. 

Synchrony Bank is being predatory and I had two accounts in 100 % good standing with them - CareCredit and Lowe 's, but they closed my CareCredit for no reason. These two accounts have always been paid on time. 

These are predatory and retaliatory lending practices. 

All debts on my credit report are related to civil litigation and are not my responsibility. I am in the process of securing a lawyer to have them removed. Please ask Synchrony Bank to explain their actions against my Care Credit account which has always been in good standing/
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (KY)

Today, I received on my XXXX  Credit report that I was 60 days and 3 payments past due on my Bridgecrest account, as shown below. This is false reporting. I did exactly what was required of me to make payments until my GAP insurance made the final payment. However, when I received the below on my credit reports, I was very disapointed in how Bridgecrests communication process failed. 

My car, XXXX XXXX XXXX, was totaled on XX/XX/XXXX. Prior to this accident there were zero late or missed payments to Bridgecrest. Below are records from my account on Bridgecrest on or about 70 days ago. Records also showed that I made payments on XX/XX/XXXX and XX/XX/XXXX. Records also show below that Bridgecrest reimbursed me for all payments made since XX/XX/XXXX. The reimbursed check amount, along with the check # and date match exactly the payments I made over the last 70 days. Again, prior to this there were zero late or missed payments.
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

My coinbase account got hacked and all funds were stolen and transferred to several unknown crypto coin addresses. Also funds from my checking account were extracted and transferred to coinbase and cryptocurrency was bought without my knowledge nor authorization with said money. Coinbase claims I have to pay them the amount of {$2300.00} USD which is the money extracted without my knowledge from my bank account. I opened several claims with Coinbase but to no avail, coinbase claims that it was not their fault my account was hacked and my funds stolen. I claim that my account was secured by utilizing the security methods they recommend. Also the funds that I had stored over the years in Coinbase for the value of XXXX USD got stolen and removed from my account. 

Coinbase Balance XXXX XXXX XXXX XXXX XXXX XXXX USD Value : XXXX XXXX USD Amount Value at transaction TOTAL : XXXX USD XXXX BTC XXXX XXXX XXXX BTC. 

Coinbase Opened cases # : XXXX, XXXX, XXXX Total Amount including Coinbase Funds Claim : XXXX USD. 
https : //www.coinbase.com/about
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name Is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release if any good or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information relates to this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of 2019 XXXX XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Consumer complaint received 2022-03-17
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. (PA)

This company has been ripping me off since 2002. I have been paying on this for 20 years and the balance has never gone down. I have read now the navient loans from when I borrowed have been canceled? I have tried to income based repayments. I have submitted the paperwork to them multiple times. Navient does not care. My balance has always gone up. I need some clarification on whether mine should be canceled from this time period.
Consumer complaint received 2020-12-17
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. (IN)

This is an ongoing situation that has grown. I filed a CFPB report XXXX. XXXX. Since that time I have had a balance increase reported that is not addressed on the charge off and Failure to Validate and failure for Experian to post the account was being disputed. XXXX account XXXX. The Charge off date or Status Update is incorrect. The High Balance and Credit limit are incorrect. The charge off balance seems to have changed over the course of the Investigation. I don't know what it looks like because XXXX has not responded to my debt validation requests. And I do not think the investigations are done properly because there have been some times that the comment section did not say under investigation. In XX/XX/2020 XXXX added to the comments that the charge off balance was {$1400.00} while claiming the credit limit was {$1000.00}. XXXX disputed all these things and they are still there and not addressed. I sent most of these certified mail. I sent Letters every month since XX/XX/2020 to Experian. See attached.
Consumer complaint received 2019-06-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

In XX/XX/XXXX-XX/XX/XXXX I had a employee steal Me from my class to sign papers threatening me If I didn't take out more loans I would be kicked out. I was gullible and naive not to read the fine print. The quality for education wasn't worthy of the loans plus interest. This school is a scam. The school is responsible for me taking out both loans. Also my credits didn't transfer to grossemont
Consumer complaint received 2023-04-10
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. (CA)

The company XXXXXXXX XXXX XXXXXXXX and it's affiliate or partner LVNV funding has attempted to contact me multiple times about a debt that has been in dispute. I have received numerous letters as well as phones calls during the time of a dispute. During the period of a dispute the collection agency or their affiliates are supposed to send validation letters validating the debt since the account has been disputed for identity theft. They have failed to provide this information of the charges or anything validating the debt and continue to contact me. 

Per CFPB and FDCPA : '' The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXXXXXX '' " You have 30 days to dispute a debt or part of a debt within 30 days from when you first receive the required information from the debt collector. Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you. Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. '' I have disputed this debt and have yet to receive any validation letter, the only letters I continue to receive are letters to attempt to collect the debt and now that it has been assigned to an attorney for legal action. 

The last letter I received was on XX/XX/XXXX stating the account has been assigned to XXXX XXXX  XXXX. As well as received a call from XXXX XXXX  XXXX on XX/XX/XXXX at XXXXXXXX XXXX
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Select Portfolio Servicing was handling the mortgage on my home in XXXX, Alabama. I just recently sold the house, because a son of mine with XXXX XXXX XXXX could no longer stay in XXXX. As a matter of fact, some years earlier, he nearly died in the hospital there for lack of proper treatment, and was sent by plane to a hospital in XXXX Alabama. 
I sold the house and moved to XXXX XXXX, La. SpS has yet to pay me the relocation fund, and do not seem willing to do so.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (KS)

Our complaint is against Chase Bank. We do not have a mortgage with Chase, but have been waiting on Chase to act on a land swap that concerns a mortgage they hold. 

History : We entered into a real estate contract to purchase the property on XX/XX/2019. Part of the title work required that the property be surveyed. The survey revealed some problems with the boundaries and, as a result, the surveyor reset the property boundaries to address these problems. This movement of boundaries required that Chase, the mortgage holder on the adjacent property, sign off on the land swap. The movement of the boundaries did not diminish the amount of land associated with the property on which Chase holds a mortgage. In fact, the size of the property increased slightly. We only require that they sign off on the new legal description so that we can close on the property. 

The title company and real estate agent have provided all documentation Chase has asked for, and in some cases, have provided the same documents several times. There has been no movement on this requirement on Chase 's part, and we are now almost 1 1/2 years later, still waiting on Chase to approve the new legal description. 

This delay has caused financial and emotional stress for all parties, and still there seems to be no interest on Chase 's part to provide the approval needed to close on the real estate contract.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IL)

I opened a savings account with Marcus by Goldman Sachs to hold funds to be used for the down payment of a house. I funded approximately 40 % of the account from a domestic ACH from XXXX XXXX XXXX  XXXX. and 60 % from XXXX  XXXX XXXX. I instituted a domestic wire transfer of approximately 25 % of the total funds bank to the XXXX XXXX XXXX XXXX. account used for funding. To be clear, the amount wired back to XXXX was less than the amount originally sent to Marcus. 

This domestic wire was initiated at XXXX EST / XXXX CST. When I called to initiate the wire transfer, the agent informed me that wires are concluded by XXXX EST the same day. When this timeframe came and went without funds transfer, I called again and was informed that sometimes, wires can be instead processed at XXXX EST. Once again, that timeframe came and went without Marcus wiring my money to my external institution. The third agent I called told me that it would likely process overnight. You can likely guess what happened next! The wire did not process yet again and Marcus continues to retain my funds against my wishes and will do nothing to process this wire transfer in an expeditions manner. It frankly reeks of false advertising to claim to offer free domestic wires but those wires in reality are remarkably time consuming in a way that does not comport with industry norms.