davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (MN)

I attended The XXXX XXXX XXXX Minnesota from XXXX. Which Navient who is my private loan servicer. I was leaded in false advisements about job placements and salary numbers. After graduation I was burdened on not securing a job in my field and was stuck with an over inflated loans that I could not pay off!
Consumer complaint received 2021-10-28
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021 I used PayPal XXXX to purchase products from XXXX XXXX online. On XX/XX/XXXX I returned the products to the XXXX XXXX and was partially refunded XXXX cents to my PayPal account on XX/XX/XXXX, Transaction ID : XXXX. I contacted the XXXX XXXX and they said that the balance was refunded to PayPal and directed me to the online receipt that shows {$1900.00} was refunded to PayPal cash. I opened a dispute with PayPal to recover the refund from XXXX XXXX, XXXX and PayPal said they needed proof that the products were returned. I provided PayPal proof the tracking information from the XXXX XXXX website that showed the items were returned.
Consumer complaint received 2022-03-25
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. (TX)

The credit bureaus XXXX, XXXX and Equifax are reporting this account named XXXX XXXX in my credit file. 
This XXXX XXXX account does not belong to me. 
I have disputed this alleged debt/ in my credit file account 3 times. However, the credit bureaus refused to delete it from my file. Instead their reply to my deletion request was verified the account belongs to me. I asked for proof of the validation but was never provided such. I need this account removed from my credit file because it does not belong to me. I also need any information that the credit bureau have from this creditor so I can file this case as identity theft being the credit bureau said they verified the debt was mine
Consumer complaint received 2022-03-25
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-03-25
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. (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 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX & Ex only ) 60 days late as of XX/XX/XXXX XXXX XXXX XXXX XXXX only ) 30 days late as of XX/XX/XXXX XXXX XXXX & XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX & XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2022-05-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

Obtained a NetCredit loan through their website on XX/XX/21. The current balance is owed is XXXX. The payments are XXXX and they are paid every time I am paid on the XXXX and XXXX. The interest rate is 54 %. When you apply for the loan it doesnt tell you if you are approved or not. They just deposit the money in your account and expect you to pay the high interest rates. When you actually take a look at the contract the interest isnt disbursed the correct way. It will take me forever to pay off this loan. If I pay a XXXX $ payment only {$3.00} is going to the principle. Ive called them several times and attempted to have my payments lowered or interest rate lowered .They WILL NOT HELP AT ALL this is against the law. Please help me proceed further.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion hasnt deleted hard inquiries off my TransUnion report yet. Eleven inquiries should be deleted as of the XXXX of XXXX. Transunion is not reporting information correctly. They are to slow to do anything. My credit score is never accurate. Im so tired of having to correct information they are required to report accurately.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (HI)

After multiple attempts with the bureaus I want all my personal information on all my credit reports to be 100 % accurate per the FCRA, XXXX, Equifax, and XXXX are either reporting outdated, incorrect, inaccurate, or missing information when it comes to my personal information which can lead to fraud, identity theft, being denied credit, denied a higher-paying career, or have trouble disputing inaccurate items on my credit reports. I have enclosed all documents that's needed to update or included the correct information, and supporting documents to delete outdated, incorrect, inaccurate, or missing information. I have included my Valid Hawaii State Drivers License to prove my identity and the name on my driver 's license should be the only name on my credit report all other reported names, alias, or also known as names must be deleted from my report immediately. Also, my birthday must be updated, my birthday is XX/XX/XXXX and should be updated on XXXX, My name should be reported as XXXX XXXX XXXX XXXX as is shown on my valid Drivers License and all other names must be deleted from my credit report immediately, also I have enclosed a current copy of my utility bill as proof as address and this is the only address that should be reporting on my all 3 credit reports, all other address must be deleted immediately per the FCRA also I have included a copy of my pay stud as proof of employment which is not being reported on any of my credit reports and must be updated as 100 % accurate. I wish to have this ongoing issue resolved in a timely matter as per the FCRA. I want an investigation done to why it hasn't been resolved and for the companies mentioned in this complaint to respond after updating my personal information and reporting correctly per the law. I also included a current screenshot of my credit reports personal information that's being reported as of XX/XX/XXXX
Consumer complaint received 2023-07-21
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: TRUIST FINANCIAL CORPORATION (FL)

Truist bank and credit card servicer On XX/XX/23 there were 3 suspicious charges to my credit card- that I received a text about and immediately reported them as fraud. I received a letter verifying my claim a few days later stating that I would not be responsible and the charges would be removed as well as any fees and interest. One of the charges remained and I have called weekly asking why. They stated still investigating and not responsible for charges. 

I have now been reported to credit agency as 30 day causing an almost XXXX point drop from XXXX XXXX to low XXXX. 

Any to reiterate the ONLY charge on this card is the reported fraudulent one that is now accruing late fees and interest ( that I have been told several times I am not responsible for ). 

I have called them weekly for resolution. I have logged over XXXX hours on the phone and have been promised call backs which I have never received. 

This is the worst banking experience and handling of an obvious fraudulent charge in my XXXX  years and dealing with over 10 banks.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (VA)

A credit card account was begun based on my cell phone which I did not authorize. The company XXXX Citi XXXX XXXX XXXX, XXXX XXXX, SD XXXX ). Because I do not possess info for them to access my phone, i.e. password, etc. they say they can not help me. They also asked for my Social Security Number, which I did not give. I am XXXX years old and need help cancelling this account. ( Although the statement refers to my Citi credit card, I have not rec 'd. such card.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (GA)

There are numerous inquiries on my account affecting my credit score. XXXX  XXXX XXXX did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My XXXX XXXX credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.
Consumer complaint received 2019-11-20
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. (LA)

I have tried to get a loan that shows it has been charged off on my XXXX  credit report removed. The loan is in good standing and I was told by the loan agency to dispute it on my credit report and it would be removed. I went through the credit agency and they denied my dispute, but my husband disputed the same loan and it was removed from his credit reports. They will not remove it from mine.
Consumer complaint received 2021-10-28
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'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) I need validation and demand that the consumer reporting agencies abide by the federal law ( FCRA ). As a consumer, pursuant to 15 USC 1681 ( a ) ( 4 ) I have a right to privacy, Im being denied credit due to the reporting agency 's invalidated report, and pursuant to 15 USC 1681b ( a ) ( 2 ) reporting agencies must have my written instructions and consent to furnish my report.

Every time I filed a dispute, the reporting agencies keep telling that they are working on it and no result. I am submitting a " NOTICE OF FAULT '', before filing my lawsuit.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 days demand to comply with the credit bureaus and still have yet to receive a responds.
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focused Recovery Solutions, Inc. (SC)

FOCUSED RECOVERY Solutions have three different account opened with three different amounts in which my son and his father has the same first middle and last name. 

FOCUSED RECOVERY SOL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank (TX)

I was notified via mail by First Progress in XXXX of 2019 that there was possible fraudulent activity on my card ending in XXXX. The letter stated that the card would no longer be active and another would be reissued to me. I never received the new card but First Progress continued to charge me interest on the low balance as well as expected me to pay on time payment for an account I had zero access to. This has cause issues with my credit and First Progress has been non-responsive to my requests to either get another card or close my account.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (AZ)

References : XXXX & XXXX XXXX has continually missed the bar when it comes to keeping the reporting correct on my credit report. on XX/XX/XXXX XXXX XXXX assisted me in getting a trade line corrected and re-placed as it was deleted in error. 

I just noticed that at sometime the corrections have been MODIFIED without my knowledge possibly costing me a good score for a recent attempt for a motor vehicle loan months in question are in the year XXXX ( XXXX, XXXX, XXXX ) they were covered in the complaint ending in XXXX 

This account should be listed as PAID NEVER LATE.
Consumer complaint received 2017-09-10
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. (GA)

According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.
Consumer complaint received 2021-10-28
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: Bull City Financial Solutions, Inc (OH)

On the XXXX of XXXX, 2021, I sent out a letter requesting XXXX XXXX and Bull City Financial Services to validate a medical collection item for {$380.00}. 

In response to this letter, the collection agency ( Bull City Financial ) responded with a debt collection letter as well as a full copy of the bill with a full description of the services provided to me without proof that I signed an agreement to release my information to them. 

XXXX XXXX sent a response stating that " the company that reported the information has certified to XXXX that the information is accurate ''.
Consumer complaint received 2019-11-20
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. (CA)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$24000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. I have attached a copy of the settlement letter dated XX/XX/2019 from XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (WA)

For several years I have been trying to pay off or at least get current with my Juniper Credit card ( owned by Barclay ). XXXX card has been closed, but they continue to charge me interest. I have XXXX other cards that have been more than helpful in that respect and I am slowly paying them off. When I ask for a similar deal they refuse. I have been through several short term hardship programs, that have been somewhat helpful, but have never brought my account current. After the last stint at short term hardship, I spoke to an account rep who was surprised that I was never offered a long term plan. I told her, it was never available to me, per their parameters. I asked her if my account was closed, she confirmed it was, I then asked why they are trying to charge me more that the Washington State limit of 12 %, she did not have an answer. I want to pay off my account, but they make it impossible with the interest they charge on top of late fees. I have written them a letter asking to be put on a plan with even monthly payments and no interest. Is there anything else I can do, besides filing for bankruptcy?
Consumer complaint received 2022-03-21
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. (AR)

n accordance with the Fair Credit Reporting act XXXX  Account # 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  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. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me. 2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

I was supposed to be paying XXXX car rental company a weekly payment for the rental I had that I was using for XXXX. I am a customer of Wells Fargo, Wells Fargo each week would deem the payment from XXXX car rental as a potential fraud and decline it, while acccepting all other payments that I was making to my debit card. XXXX car rental just like XXXX, proceeds to deposit and then withdraw into the bank account over 24 hour period which I thought they were doing. Wells Fargo was denying the payments until it became one lump sum payment and before my account was nearly below {$200.00}, in which after at their discretion, Wells Fargo proceeded to overdraft the account by over {$1900.00} without my consent, and left me in a hole by hindering my XXXX XXXX because I had to return the car I thought I was paying for it. I started talking to Wells Fargo complaint center earlier this week about this issue and they further perpetuated the issue and made it worse as I just saw this morning that XXXX withdrew another payment from my account at the discretion of Wells Fargo with Wells Fargo knowing that this is in the process. Wells Fargo is openly committing this fraud. Wells Fargo is continuously allowing XXXX. to withdraw funds from my checking account, even though I dont have the available funds. Wells Fargo knows that Im in the process of reporting them for this fraudulent activity. It goes against the overdraft protection rules. Wells Fargo is literally sabotaging my life financially, and there continuously allowing this activity to happen even though its against the law and they dont have my written affirmative consent to overcharge. I have evidence of all of the fraudulent activity including the executives in the complaint center avoiding answering my questions. 

I have all the evidence the CFPB will need to prove that Wells Fargo is committing this fraud against me. Please contact me at XXXX, and my name is XXXX XXXX. 

Thank you for your help, XXXX