davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
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. (FL)

I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : XXXX XXXX XXXX.,  XXXX , XXXX  XXXX XXXX XXXX XXXX. XXXX., XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX All Previous employment history should be DELETED DELETE : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2018-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Dear AES, I am submitting this complaint, as the initial one was not correctly read, nor was it properly remedied. 

I have attached the updated complaint in a word doc, for better viewing. 

My apologies ; as unfortunately, I may have provided too much information initially, making it difficult for you to see the big picture, of AES 's cause of the primary problem : for which I seek a fair resolution. 

Clearly, the information provided earlier was too lengthy - I only went by the written tracking I have, and I have recorded all conversations since XX/XX/XXXX. 

As a 'Customer, the events that led up to the current situation are unfair, unreasonable, and of no fault of my own ( if they were my fault, I would have simply let it go and taken responsibility by now ). 

Thank you in advance for your understanding. 

Warm regards, XXXXXXXXX
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CO)

The company XXXX XXXX, ( Barclay ). They gave me limit of XXXX   on XX/XX/XXXX then decreased amount on XX/XX/XXXX to XXXX. I already had XXXX on the card. Then they hit my credit report and hit me with fees.
Consumer complaint received 2023-01-13
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

My complaint is with both XXXX and Navient. I dropped the classes at XXXX and never completed them which I was advised that I would not be charged. I called them many many times regarding this and was advised it would be removed. Then later told they were not dropped in time. Then Navient kept sending me information to put me in forbearance because I was having trouble paying for years. I now have thousands in debt and fees for classes I never took. What was originally around {$4000.00} is now over {$7000.00}. I have went thru XXXX, Navient, the XXXX  and reported this to the credit bureau but received no help. Please someone help me.
Consumer complaint received 2018-05-20
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. (IN)

I have contacted Transunion XXXX and XXXX several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXXXXXX XXXX ( XXXX ) with a balance of {$780.00}
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

It has come to my attention that on my Experian credit report there has been several ( four ) unauthorized inquiries in XX/XX/2022. This was extremely unsettling since during this same month two of my accounts were compromised as well. The following are the events that transpired : 1. I went on vacation on XX/XX/XXXX thru the XXXX, traveled back on the XXXX. 
XXXX. On XX/XX/XXXX there was an unauthorized XXXX XXXX inquiry on my credit report. 
XXXX. On XX/XX/XXXX, my XXXX account was hacked with several unauthorized transactions, where as I was forced to freeze the account, change passwords and was reissued a new XXXX card. 
XXXX. On XX/XX/XXXX thru the XXXX, my XXXX XXXX XXXX was hacked with several unauthorized transactions, where I once again was forced to freeze the account, change passwords and was reissued a new XXXX  XXXX card. 
XXXX. On XX/XX/XXXX, there were more unauthorized inquiries from XXXX XXXX again, XXXX and a XXXX. 
XXXX. Due to the nonstop inquiries, I was forced to lock my Experian account immediately so no more inquiries will bombard my credit report. 
XXXX. After XX/XX/XXXX, I noticed the lock on my mailbox was broken, making my mail easily accessible to anyone. Therefore, due to the compromise, I had mailbox lock replaced and reinforced. 
XXXX. On XX/XX/XXXX, there was an unauthorized attempt to open a checking account with a XXXX XXXX. Thankfully, due to the lock on my Experian credit report the company could not process the application. 

I was advised by XXXX and XXXX XXXX that my cards where most likely compromised while on vacation since all these events that compromised my financial accounts and credit report happened immediately after my vacation. 

It is suspected that the hackers who compromised my accounts are the same who tried steal my identity to open new accounts in my name and broke my mailbox lock. They were hoping to steal my identity, get new credit cards, take them from my mailbox and use the credit cards while I would be stuck with the charges! 

Obviously, someone is monitoring my financials so now I have to be extremely careful with the security of my accounts going forward.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (FL)

Fedloan is reporting I missed XXXX  years with of payments which is untrue. They are reporting the same missed payments over an over and over again. I want proof that XXXX XXXX XXXX has XXXX missed payments from fedloan or remove it from my credit report.
Consumer complaint received 2018-06-26
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: Bread Financial Holdings, Inc. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2018-05-20
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 — Was not notified of investigation status or results
Company: Credit Karma (WI)

I submitted a disputed using CreditKarma.com on XX/XX/2018 this dipute is through XXXX on Creditkarma Inc 's website. I have not been shown any results of this dispute and the dispute is still shown as being " Pending '' XXXX  has claimed that they have sent an email of the results which they have not resubmitted to me. Furthermore since the dispute is still " Pending '' I am unable to dispute incorrect information being reported by XXXX  through CreditKarma. com Essentially having my right to dispute information denied at this time. I will attach photographic evidence that will support my claim today.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I missed a payment for my Kohl 's charge credit card, this was in XXXX of 2015. I tried to reach out to the company to dispute this charge but they said there was notthing they could do. Please remove this late payment charge for me, because I am trying to lease a vehicle and this is stopping me from doing so. Thank you very much.
Consumer complaint received 2018-06-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

In XX/XX/XXXX, I took leave and went back to XXXX after completing XXXX school. While I was out there, I was introduced to a man named XXXX XXXX by my cousin 's boyfriend at the time. XXXX told me he would be able to help me build credit and get my credit score over 700 within a years time. He told me to apply for a credit card and an auto loan with Navy Federal. 

I applied for both and in a couple weeks the credit card was mailed to my cousin 's address in XXXX XXXX. The vehicle loan had also been approved and was mailed to my cousins house. XXXX took the mail from their address, used the credit card to make various purchases in XXXX and XXXX and forged my signature on the check to from the vehicle loan to buy a used car for {$14000.00} which I later found out to be a XXXX XXXX XXXX. The last time I heard from XXXX was around XX/XX/XXXX when he told me to report the credit card as lost/stolen and make payments on the vehicle loan he had pulled out and claimed he would take care of it in a few months. I fully realized he was using me for his own personal benefit and would likely just disappear leaving me with the debt ( which he did ) So I filled out a report at XXXX XXXX and tried to clear the debt with the credit agencies. He also applied for a {$5000.00} personal loan from a company called XXXX XXXX which I later found out was done entirely online without any accounts linking the loan to him. 

Ive been dealing with this issue since XX/XX/XXXX with no avail. Navy Federal insists that I am responsible for the debt because I filled out the applications and was scammed by someone Ive met, even though my signature was forged. XXXX is holding me responsible for the debt because I made the mistake of saying I would make payments to get them to get off the phone initially the online application was filled out while I was still in California. There are also hard inquiries that was not authorized by myself that are still on my credit.
Consumer complaint received 2023-01-13
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. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Consumer complaint received 2019-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about my health. The privacy law is being broken by the medical care provider and the collection agency. Validate the debt or delete the debt from my credit report.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NV)

Already submitted complaint XXXX in regards to payments, payment hold, being told I had returned payments when in fact they were cancelled but still attempts were made to deduct the amount from my account. Then after my complaints started with customer service, all of a sudden I was in collections, mind you never have been past due, late, on any pmt but my account is in collections or Line Management if you will. After complaining about long hold on payments being made forward my MasterCard and after my account we closed on accident on already but reopened the following information I will provide is exactly what I mean that CitiBank has to be doing some kind of unlawful practices. On XX/XX/2019 I initiated a pmt to be made in the amount of {$55.00} after I received notifications my pmt was received and credited that particular balance of {$55.00} was not available to me, again this bank goes putting guaranteed funds on hold towards a pmt. not on XX/XX/2019 I made another pmt of {$55.00} because the original stil was not reflecting on my acct as avail. After speaking to customer service and line management I was told the item had returned unpaid by my bank which it did not and that I needed to pay that amount along with returned fee. Of course I became irate and this is when I began to piece all together right before XX/XX/2019 account closure. On XX/XX/2019 cotibank without my authorization took another pmt for same amt {$55.00} but apparently does not have recorded of that payment so its under dispute with my bank. Low and behold I receive a letter from citi and is attached to this portion of my complaint.
Consumer complaint received 2019-07-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Dedicated Financial Partnerships (MI)

Debt was fraudulently obtained in 2008. No outstanding debt obligations. Repeated harassing phone calls. No attempts to resolve the issue, just calls dozens in the last week. All hours of the day. Threating messages
Consumer complaint received 2019-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Toyota Motor Credit Corporation charged me a 20.75 % interest rate after being a returning customer with the first loan being paid off and it's absoultely atrocios. In XXXX I purchased a 2011 XXXX XXXX with XXXX miles from XXXX XXXX in XXXX Ma. As I stated this was my second loan with this company with the first one was paid off in early XXXX due to an accident. However still when I went through Toyota Motor Credit I was charged this ridiculous interest rate allowing this company to get almost {$20000.00} in interest alone.I told the loan officer that this was too expensive for me and she assured me after making 8 on time payments I would be able to refinance at a lower rate which wasn't at all true. All I'm trying to figure out is how this is fair to me as a human being let alone a retuning customer.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I applied for a Bank of America credit card on XX/XX/21. After a lengthy verification process, I was initially given a verbal approval of a {$3000.00} credit limit. That later changed on XX/XX/21 to a {$1500.00} credit limit. After receiving my card, I began using it but I was careful not to charge it to the limit so it wouldnt negatively impact my credit report. I also made every payment on time ( actually ahead of time ) each month. However, on XX/XX/21 Bank of America suddenly decreased my credit limit to {$1100.00} without warning. Their action negatively impacted my credit report because it raised my credit utilization especially since at that time my bill was a little over {$900.00}. When I called to see why I wasnt notified prior to this action being taken, the representative said they mailed me a letter on XX/XX/21 ( the day before XXXX XXXX ). However, they never waited for me to receive the letter because they took action 3 days later. They never provided a turn-around time, waiting period and/or due process before changing my credit limit. Additionally, I later discovered that Bank of America was secretively and aggressively checking my credit report every month since I received my credit card prior to decreasing my credit limit. This action seem very illegal especially since I had already went through a credit check, had been approved and had already been using my credit cards for months. I feel discriminated against. This seems like XXXX XXXX
Consumer complaint received 2023-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (FL)

Frost-Arnett , a debt collector, continues an attempt to collect a non-existent debt in the amount of {$92.00}. This amount was paid promptly at the office of the provider, on the very same day of service, XX/XX/2023. Weeks later, I received a lengthy phone call from someone representing the provider, XXXX XXXX, seeking the amount in question. I told them that invoice had been paid and advised them to check their records for the payment, which was made directly with the service provider. There was an obvious failure by them to perform any due diligence in this respect and are now harassing me by issuing collection letters which require my time be spent on contesting something that could have easily been dismissed. 
I have receipts from the provider for the amount being requested. It appears they would rather spend their time trying to collect twice rather than checking their own records! I find this type of business practice both predatory and intolerable, requiring some sort of legal remedy to put a stop to it.
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My purse was stolen along with my checkbook, bank card and I'd. The bank was informed within minutes. I closed my account. The bank opened a new account. Two checks were fraudulently written. The bank erred in protecting my new account. One check was corrected, but the bank refuses to take care of fraus dweck of XXXX. Despite the fact I signed and submitted an affidavit if fraud on both checks on same day. Meanwhile my account is now overdrawn. It refuses to give me my money I deposited from my paycheck before any of this fraud. The bank refuses to acknowledge the disputed fraud check. I've filed police report. The bank and police are aware both of the fraud checks were written on same bogus account and name on the sa.e day. The bank reversed all of my on line payments in order to pay itself back, but not correct the fraud error. I've been told over phone it could take 30 to 90 days to investigate, but refuses to tell me why the fixed one fraud check and not the other. Police have told me the fraud was likely committed by the felony lane gang.