davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (NC)

Through the XXXX XXXX personal account auto-pay bill payment system I had been paying on my {$25000.00} XXXX XXXX student loan for many, many years. IN XX/XX/XXXXI PAID OFF THE LOAN. I had been paying XXXX XXXX for many years before the loan was sold to Citibank ( when exactly I am unsure ) and in XX/XX/XXXX, Citibank has stated it sold the loan back to XXXX XXXX, as Citibank no longer handled student loans. Unfortunately, I forgot to turn off the auto payments going to Citibank. Thus, in XX/XX/XXXX I contacted XXXX XXXX to alert them of this fact and found that they had record of the payments to both XXXX XXXX and Citibank. Citibank only rejected payments starting in XX/XX/XXXX until XX/XX/XXXX. Citibank received payments all of XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX started receiving money from XXXX XXXX between XX/XX/XXXX until XX/XX/XXXX, without rejections. When I contacted Citibank and XXXX XXXX, both companies stated they had returned the overpayments to XXXX XXXX late XX/XX/XXXX, Citibank did send me two refund checks in the mail, though not stating which months they were crediting. On XX/XX/XXXX I and a representative of XXXX XXXX contacted Citibank ( XXXX ), and proof of overpayments payments were sent to Citibank ( XXXX ), as they requested. As of XX/XX/XXXX no funds have been returned into my XXXX XXXX account from Citibank ( XXXX ) or XXXX XXXX, and I and a XXXX XXXX representative were hung up on when we were speaking to a Citibank ( XXXX ) representative on that day. As well as I can calculate, with {$250.00} being paid each month since the pay-off in XX/XX/XXXX( which exact month I am unsure ), over a five year period, I am owed at the least {$15000.00} and at most {$18000.00} from Citibank and XXXX XXXX combined.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Someone applied and obtained a loan from XXXX XXXX XXXX XXXX, loan was never repaid, my name and social security number was used with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I have never lived in XXXX XXXXXXXX nor have been a member of any union. This loan was obtained under fraudulent pretense. Therefore XXXX XXXX reported me to Chex Systems on XX/XX/2021, my legitimate address at that time was and still is XXXX XXXX XXXX, XXXX, XXXX XXXX, and prior to that it was XXXX XXXX XXXX XXXX, XXXX. XXXX for about 10 years. 
I need guidance on how to proceed to have to have this negative report cleaned.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (KS)

Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2021-10-26
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: Premium Credit Bureau (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX Premium Credit Burea XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (OH)

I have an account with Charles Schwab. I sell items on XXXX and XXXX. I recently received a small SBA Covid assistance loan amount of {$5400.00} and my XXXX account has since been blocked. I use this account to pay my credit cards/expenses and to receive payments. I was given no warning about losing account access. How do I pay for things? I have called multiple times and no one will help me. I first called on Thursday, XX/XX/XXXX after trying to pay a credit card payment that was due and found I could not login to my account. I called again on Thursday. I also called on Friday. I kept being transferred to different departments. First, someone told me someone had tried to login from XXXX. Then they tried to help me reset my username and password, but that didn't work either. Then I was told my account was being investigated for fraud and the issue was above their pay grade. They have made me feel I have done something wrong and that I am a bad person, when I haven't done anything to deserve this treatment. I can't believe no one there can help me in a timely manner. I don't have days/weeks to wait to access my account. They have not asked me for any documentation of any sort, which I would have happily and quickly supplied. It would have been nice if they asked me for whatever they needed prior to blocking/freezing my account. There is just no sense of urgency, when there absolutely should be.
Consumer complaint received 2024-06-03
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-07-26
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: Experian Information Solutions Inc. (HI)

Here the Steps I took : 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian ) each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians Ceo as last resort before I Sue them.
Consumer complaint received 2018-04-30
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: ENOVA INTERNATIONAL, INC. (MS)

My consumer credit report from XXXX XXXX XXXX XXXX contained an unknown and unauthorized inquiry from a company called CNU Online Holdings for an alleged payday loan. I have never had a payday loan from any company yet XXXX stated that it had been verified without providing any tangible and legal proof. My contact at XXXX is a lady named XXXX and her number is XXXX.
Consumer complaint received 2018-04-30
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. (IN)

On XX/XX/XXXX and XX/XX/XXXX I received emails from Navient reminding me to reapply for the income-based repayment program I have used since my federal student loans went into repayment. The emails led with the date XX/XX/XXXX, as the date my payment would increase. Deeper into the emails, there is a second date, XX/XX/XXXX, by which they write is important to reapply by " in order to keep [ my ] lower payment amount. '' I submitted my usual IBR payment to Navient on XX/XX/XXXX. On XX/XX/XXXX, I received another reminder to reenroll in IBR before my payments increased on XX/XX/XXXX. I subsequently submitted my IBR repayment recertification via studentloans.gov on XX/XX/XXXX after completing this  year 's taxes. 

In the meantime, Navient capitalized over {$16000.00} worth of interest on my loans on XX/XX/XXXX. Despite the fact that I will make uninterrupted IBR payments, as I have for years, they say that by waiting until XX/XX/XXXX to reapply I left the IBR program. Although I will reenter seamlessly in time for my XX/XX/XXXX payment, according to Navient I have triggered capitalization. 

I find Navient 's communications deliberately misleading by repeatedly offering up the date XX/XX/XXXX, but only naming XX/XX/XXXX on two occasions and less prominently. I have loans through another servicer, XXXX XXXX XXXX. Using the same IBR recertification on XX/XX/XXXX, they have reprocessed my IBR plan with no interest capitalization.
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (FL)

I have loan with DEPT OF EDUCATION/NELNET . I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/NELNET but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDNELNET XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}
Consumer complaint received 2022-06-16
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: ALLY FINANCIAL INC. (CO)

Auto loan was involved in a total loss. The insurance company XXXX paid the claim although there was a gap remaining. I had gap insurance and the gap company XXXX was waiting for the police report. I provided the police report information and XXXX processed the information. They stated that they would not pay the gap. The lender Ally bank Provided the payment history to XXXX And XXXX denied the payment for the gap of {$1700.00}. I was not aware that the gap was not paid until XX/XX/XXXX. This incident happened in XX/XX/XXXX. The payment history that Ally bank Provided to the gap insurance company showed three missing payments. The missing payments were due to Ally bank offering three deferred payments during the XXXX Covid. These payments were not late but instead deferred to the end of the loan. I have never been late on any installment loan payment. I ended up paying the {$1700.00} of gap difference and due to me not finding out that this payment was never paid to a XXXX balance, Ally bank reported the three deferred payments to the gap company. I have never made a late payment ever and these three deferred payments caused Ally bank to report three late payments on my credit report. This has changed my score dramatically. I will never receive my {$1700.00} back due to this discrepancy. Please help in correct in this error on my credit report. Thank you
Consumer complaint received 2022-06-16
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: National Credit Adjusters, LLC (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the XXXX XXXX  XXXX  Accounting # XXXX National Credit Adjusters Collections Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX  Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2022-06-16
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. (GA)

Hello, I have recently noticed fraudulent activity on my credit reports. A Collections account from XXXX XXXX XXXX XXXX. Original Creditor Name : XXXX XXXX in the amount of {$2700.00} that was wrongfully reported on XX/XX/2022. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-06-16
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. (GA)

Hello, I have recently noticed fraudulent activity on my credit reports. A Collections account from XXXX XXXX XXXX XXXX. Original Creditor Name : XXXX XXXX in the amount of {$2700.00} that was wrongfully reported on XX/XX/2022. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are :
Consumer complaint received 2022-06-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C. (WI)

I have been in phone contact with Gurstel Law Firm in Wisconsin since Fall of XXXX and via email since XX/XX/XXXX attempting to resolve a payday loan debt from XXXX that was bought by them. The representatives have been constantly using stall tactics and giving me all these ridiculous reasons why they could not settle with me. I finally got so frustrated I started recording these calls. I informed them that I was fed up with being given excuse after excuse on why the debt couldn't be resolved. I notified them that I had been recording the calls and have proof of what they had been doing to me. The rep immediately told me he could no longer speak to me. The only person who could speak to me on a recorded call was their Lawyer XXXX XXXX. I was given his number and left him several voicemails with no return call. On XX/XX/XXXX, I sent an email to Gurstel and on XX/XX/XXXX he finally responded. We had what I thought was a good conversation. We discussed a one time lump sum offer of {$1200.00} to settle this debt in full. He stated that based on my circumstances, he felt it was a reasonable offer and would bring it to their client. He told me he anticipated a response from their client by that Friday, XX/XX/XXXX or early the following week. I have not heard from him since. I have called and left him 9 voicemails between XX/XX/XXXX and XX/XX/XXXX without a response. I am doing my best to resolve this debt and don't know where else to turn at this point. I am just trying to fix debt that I incurred during an XXXX XXXX  where I was forced to take out payday loans to cover my exs debt so his clients wouldn't sue him for unfinished work. Please help me. I am raising XXXX children with no child support. I just want to fix my credit so I can do good things for these children.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I requested a method of verification. Equifax has failed to provide me this documentation in my first attempt. I've contacted the bankruptcy court about this matter. The bankruptcy court has provided me with a formal response stating they do not publicy share information with third parties. In my 2nd attempt with Equifax I asked them which representantive they spoke to, the date, length of conversation, which employee from equifax spoke to the party, and or confirmiring if there was any e-mail or written communication between the members of equifax company and the bankruptcy court. Equifax has failed to provide me those details.
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC (LA)

The date of the infraction was XXXX XXXX, I have file many disputes asking for validation of this account # XXXX from Williams Rush and Associ. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report. Consumers have a right under the FCRA to challenge information in their file that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. I am asking for proof of a contract with my signature that shows I have a legal binding contract with Williams Rush and Associ. I have also file a dispute with FTC in this matter.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (FL)

I am writing this complaint about amazon on online shopping and returned policy.

I bought a cell phone and a teapot for {$740.00} which I return by ups with a label that was sent to me by amazon. They item was received on the XXXX XXXX in their warehouse which was verified by XXXX and amazon customer service also several supervisor from the amazon department. Every time i called the said the item was received and waiting to credit my card within 3 - 5 days but there has been no credit on my card and also the bank is going to charge me finance charge in the amount of {$740.00}. i know that i am not the only person facing this problem with amazon there are a lot of people who said amazon is ripping them off. Whenever you made a purchase from them the take the funds out in a second and when to give back the funds we have to wait several weeks. I would like to open an investigation on them and they should be penalized for ripping innocent people off, I also have all evidence to show that item was send and received .Thank you.