davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NE)

I w

as forced to work with Navient because apparently I had defaulted and needed to " rehab '' my loan prior to consolidating. My loan was assumed by Navient in XX/XX/XXXX - the following two years I sent navient payments but never saw any payments toward my principal. I fought with them ALOT while they serviced my loans, but nobody was willing to help me. The basic attitude was I couldn't do anything to get this consolidated unless I just kept paying them, so I did. In XX/XX/XXXX I was FINALLY able to get the loan consolidated. At the time that I was able to consolidate, I had paid around {$980.00} to navient over a period of approximately two years. In that time, my balance INCREASED {$490.00}. In summation, I somehow came out of the " rehabilitation '' period at a {$1400.00} DEFICIT. I have since managed to get out from under Navient 's thumb, however, I believe that I am entitled to at least the {$980.00} in payments that I made. At no point was Navient cooperative in my eyes. And I believe their tactics were threatening and predatory.
Consumer complaint received 2023-01-26
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. (IL)

" I XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-12
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: ERC (TX)

In accordance with a Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX, XXXX & XXXX - XXXX, XXXX ; [ ERC ACCOUNT # XXXX has violated my rights ; [ ERC ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I am writing to file a formal complaint against Care Credit, a division of Synchrony Bank, for their failure to accurately report my credit card usage and payments to the national Credit Reporting Agencies ( CRAs ) as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This negligence has had a profoundly negative impact on my credit score, severely hindering my ability to secure a mortgage for my first home, a dream that seems increasingly unattainable due to Care Credit 's apparent disregard for consumer rights and credit reporting accuracy. 

Despite my diligent efforts to manage my finances responsibly, including paying down my Care Credit card, Care Credit has consistently failed to update or correct my credit utilization ratio. This inaccuracy has unjustly portrayed me as an overextended borrower, casting a long shadow over my creditworthiness and character in the eyes of potential lenders. It is deeply concerning that Care Credit 's actions, or lack thereof, directly contravene the FCRA 's core objective to promote accuracy, fairness, and the privacy of personal information in consumer credit reporting. 

The FCRA clearly stipulates that entities like Care Credit are obligated to furnish accurate and updated information about consumers to CRAs ( see 1681s-2 ). The failure of Care Credit to comply with these legal requirements not only undermines the integrity of the credit reporting system but also inflicts unwarranted financial and emotional distress on individuals striving to achieve their financial goals. 

It is disheartening to witness how Care Credit 's negligent reporting practices have impeded my financial progress and tarnished my reputation among lending institutions. Their inaction reflects a glaring indifference to the principles of fairness and accuracy upheld by the FCRA, casting doubt on their commitment to consumer rights. 

I hereby urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and to hold Care Credit accountable for their failure to adhere to federal law governing credit reporting practices. Consumers deserve to be treated with respect and fairness, particularly when their financial futures are at stake.
Consumer complaint received 2023-01-26
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)

" I XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-29
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. (IL)

Transunion File Number : XXXX I demand the following account be verified or removed immediately : 1. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

On XX/XX/XXXX  are tried to pay off the entire balance on my card cause everytime I have paid on line the payment had been reversed causing my account to have late fees and XXXX points taken off my credit. On XX/XX/XXXX I received a thank you for your payment and confirmation of payment and was sent to my email. On XX/XX/XXXX I checked to make sure the payment had still been posted at XXXX something at night and it was still accepted. So on XX/XX/XXXX I see I got notice that my payment didnt go through so I call them and ask them why they did that and they kept saying that it takes 24 to 48 hours for payment to be taken out of my account and I let them know that it was well past 24 to 48 hours and that they charge me {$40.00} every time that they claim they didnt get payment. And they told me that all that they could do for me was remove the late fees if I was able to make a payment that day. I explained I no longer had the money in my account at that time that I had received confirmation of my payment and now they say they didnt get it all. After that phone call the date that they reversed the payment changed not once but twice so that it showed that the day the payment was suppose to have been received was the same day it reversed and that wasnt the case at all. So getting that card to build my credit has since ruined my credit and I dont like the fact they changed things on my account to work in their favor but I made sure I screen shot all these facts I am listing
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (PA)

credit card and rewards are eliminated from my access from online banking and the app i have no access to either the cc data used for reimbursement they have refused to accept my calls and give any information in addition they have stolen my XXXX plus cash rewards monies and refuse to send them.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, I made a call with a loan agent from Wells Fargo for mortgage pre-approval. I was advised by the loan agent to submit an online pre-approval application right away, even I told them I may not be ready to buy a home for a few months. The agent then sent me an email with a name card and application link ( see attached files ). Right after I submitted the online application following the link, my and my wife 's credit score was hard inquired, while we thought it was only to collect our information. No explicit consents were obtained during the application, and we didn't signing anything.

We later decided to not want the pre-approval letter, due to the uncertain market. But Wells Fargo told us they won't reverse this check, mentioning it is part of their standard process.

I believe Wells Fargo 's process doesn't conform to the FCRA. They never obtain our explicit consents and their loan agent misled us to apply for something we don't immediately need, just so they can have better chance to loan more money out.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Shellpoint Mortgage services my mortgage. They have an escrow account to pay my property taxes and insurance. There is {$3100.00} in the account. XXXX county, GA, where the house is located, has sent me a final notice that my taxes have not been paid. I have called Shellpoint and gone thru their confusing, inefficient, automated phone system. When I finally got to a real person they could only refer the issue to the tax department, not pay the taxes. Nor could they tell me why my property taxes haven't been paid or what they are doing with my money. The tax dept. is not 'customer facing '' and I am not allowed to talk to them. XXXX County will soon be putting a lien on the house and I need to know my taxes have been paid.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Last year, I subscribed to Experian Trusted ID Premier and put both a freeze and a lock on my account. I was notified today, XX/XX/19, that my subscription had expired and that, as a result, my account was automatically unlocked. So I called Experian, during their business hours, at both XXXX and XXXX to speak to a live person. I tried numerous times to reach a live person, but to no avail. I then called XXXX ( XXXX ), which partners with Experian regarding identify theft monitoring/identity loss matters. I got through to a live person. I told the rep that my account was automatically unlocked because my Trusted ID Premier subscription expired, but that I still had a freeze on my account. I then asked : Am I ok with just the freeze, or do I need to re-lock my account? The representative was quite rude and seemed indifferent ; she didn't have an answer. I then asked how I could get hold of a live rep at Experian. She gave me the number XXXX. ( IMPORTANT : I repeated the number to her for verification purposes, and she acknowledged I was correct. ) I then called the number. All I got was an automated answering system. It did not state which company/party I had reached, but did state that I'd be on hold for more than 30 minutes. So, I hung up. I then did a search online to see if the number, XXXX, was legitimate. The results showed that it was not an Experian number. Rather, it was assigned to a person, XXXX XXXX, on XXXX XXXX, in XXXX, TX. I am now concerned about the legitimacy of XXXX since their rep ostensibly gave me a bogus number.
Consumer complaint received 2022-08-29
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX ACCOUNT NUMBER NOT REPORTED Why isn't the account number being reported for this account? 
How can this account be reported as open and closed at the same time? Which one is it? 
What was the date of first delinquency for this account? 
Look at how you're reporting the payment history for this account. It is not only incomplete, it's inaccurate. I would have to be 30, 60 and 90 days late first before I could be 120 days late. 
This has caused me to suffer and its defamation of my character.
Consumer complaint received 2019-01-28
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. (NC)

My identity was stolen and used to open fraudulent accounts that are now appearing on my credit report. I have notified law enforcement and requested that the credit bureaus remove the fraudulent information which they have yet to do. I am a victim and need this information removed.
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lotane & Associates, P.A. (FL)

ACCT XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This collection/attorney 's office put a judgement against my name for my ex husband 's credit card that I never signed for. I called XXXX XXXX XXXX and verified that this is my husband 's credit card and it was never under me. This attorney 's office illegally attached this debt to my name. XXXX XXXX XXXX XXXX only opens cards under the card member 's name who works at the XXXX research lab. I never agreed to this credit card. The judgement needs to be removed from my name. 

The credit card in question is visa ending in # XXXX
Consumer complaint received 2019-01-28
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. (FL)

I recently had my identity stolen. I attempted to notify all credit buries via phone and fax of the incident. My information was obtained and used to open many fraudulent accounts. I request that all the fraudulent information be removed from my credit report immediately.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AppFolio, Inc. (NJ)

AppFolio XX/XX/2021 Credit score provided to Landlord is significantly different than the actual score reported by XXXX. AppFolio uses XXXX to provide landlords with report scores. This situation will hurt the needs of Americans trying to secure housing. Unfortunately, companies like AppFolio are charging fees to provide inaccurate information to landlord.
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

Reference PNC internal Claim # XXXX We are writing to file a formal complaint against PNC Bank regarding their failure to endorse or return the insurance funds issued by XXXX  to repair our home after the severe storms in California earlier this year. Despite the Federal Government and State declaring a State of Emergency, mandating the immediate release of these funds, PNC Bank has shown a complete lack of responsiveness and accountability in handling our legitimate claim, and ambivalence to the civil and Federal codes it is violating. 

Details of the Complaint : XXXX. Non-Endorsement of Insurance Funds : After experiencing severe storms in California, we were entitled to receive insurance funds from XXXX to repair our home. However, PNC Bank has continuously neglected to endorse the funds, leaving us unable to initiate the necessary repairs and recovery process. 
XXXX. Lack of Assistance and Deliberate Delay : Numerous attempts have been made to approach PNC Bank for assistance in releasing the funds, yet they have either outright refused or deliberately prolonged the process. This prolonged delay has caused significant distress and financial hardship on our part. 
XXXX. Forced Withdrawal from High-Yield Interest Accounts : Due to PNC Bank 's refusal to release the insurance funds, we have been left with no choice but to withdraw money from high-yield interest accounts in order to pay vendors for the essential repairs. This has resulted in significant financial losses on our part. 
XXXX. Violation of Legal Rights : By withholding the insurance funds without any reasonable justification, PNC Bank has flagrantly violated our legal rights as a customer. 
XXXX. Claim for Lost and Earned Interest : The insurance funds totaling {$20000.00} have been held by PNC Bank for an extensive period of XXXX weeks. Given the current interest rate of 4.6 %, we demand compensation for both the lost interest on our funds during this time and the earned interest we would have otherwise accrued. 

We seek prompt action and resolution from the CFPB to address this matter. Our situation is urgent, and we require the immediate release of the insurance funds owed to us by PNC Bank, as well as appropriate compensation for the financial losses and distress we have endured. 

Please note : At this time, all vendors have been paid for their services through other funds that we have available that are separate from PNC. However, PNC remains to retain funds at this time. 

We trust that the CFPB will conduct a thorough investigation into this matter and ensure that PNC Bank is held accountable for their actions. We eagerly anticipate a swift and satisfactory resolution to this distressing situation. 

Thank you for your attention to this matter. Please feel free to contact me at the provided contact details if you require any further information or clarification. 
Sincerely,
Consumer complaint received 2022-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIRST HERITAGE CREDIT LLC (SC)

New Manger discrimination against me about renewing my loan. I always make my payments on time and she was putting lies on my account so I can't get the loan request I ask for. I put in 2 request for the district manager to call me and he refused to call me also about the loan. The new manager at this location just didn't want me to get the loan because I was XXXX.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NV)

On or about XX/XX/2002 I attempted to apply for an Amazon Store Card issued by Synchrony Bank. On XX/XX/2002 I received an adverse action notice from Synchrony Bank stating that my application has been denied. The reasons stated were : Application has risk factors that cause us to be unsure of your identity. 

Some information used to make this decision was based on transactions/experience with AMAZON STORECARD and information from the consumer reporting agency ( agencies ) listed below. 

The ECOA, Regulation B and the FCRA mandate that adverse action provide a specific reason why adverse action was taken. The requirements exist as stated in legislative intent to provide the consumer with specific and useful rational the purpose of which is, according to legislate intent, to provide the consumer with an opportunity to understand and remedy any issues they may have to obtain credit. Thence provided by Synchrony Bank is generic, unspecific, unhelpful and, basically, a generic phrase which means nothing. 

My application provided no inaccurate information whatsoever and the information provided is exactly what appears on my credit reports. Also, if Synchrony Bank is unsure of an applicant 's identity, there are very accurate ways to confirm one 's identity. In fact, it is not at all uncommon for Synchrony Bank to request proof of identity from an applicant if necessary. That Synchrony Bank fails to do that goes to show that their reason for adverse action is a farce and the reason for adverse action is very likely to be a reason prohibited by the XXXX. 

Upon further research, I have found Synchrony Bank uses this same useless, confusing and secretive reason to deny credit to a multitude of other consumers.