davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I am filing a complaint against this collection agency because I disagree with the amount that the company is trying to collect : {$7500.00}. I have repeatedly asked for an itemized detail of the charges to show what constituted that amount. However, the collection agency only responds with a copy of the lease and a one-page statement that just says {$7500.00} on it. A copy of the lease and one page that says {$7500.00} does not constitute and itemized detail of charges. They have still not provided the information that was requested.
Consumer complaint received 2018-12-20
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. (MI)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX  XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account # : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : XXXX
Consumer complaint received 2021-07-16
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. (KY)

I have tried to get the hard inquiries off my credit report but the customer service was no help at all. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I do not recognize and I called the creditor and they wont help me. 
XX/XX/2021 there were many hard pulls from XXXX, XXXX, and XXXX XXXX that I did not consent to and I have asked the creditors to remove them but they refuse to help. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I did not approve of and the company refused to remove it.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

I filed a dispute with Navy Federal Credit Union around XX/XX/2018 in regards of a car that was paid for by GAP insurance. The loan amount shows paid in full but shows up as a charge off.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: eCon Credit LP (FL)

Nationwide Acceptace, dba XXXX XXXX, is reporting that my payment is 30-59 days past due and I owe {$66.00} but the balance was paid in full on XX/XX/19.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (IL)

My Navy Federal account was hacked and my card was disconnected from my account. Then, funds in the amount of {$2900.00} were taken out of my account. I called when it happened ( XXXX XX/XX/2022 ) I was told I had to call back on Monday. I called Monday ( XXXX XX/XX/2022 ) and spoke with the fraud and security department. I was eventually set up with a new account. I was assured everything had been taken care of. 

Then, Navy Federal took {$2900.00} out of my account as soon as my VA check was deposited. This was the majority of my check that I use to live. I called the security department again and they told me the fraud would be investigated within 10 days before I could get my money back. I am permanently XXXX and have no other income. After the 10 business days, I was told it would now take 45 business days. 

It is now XX/XX/XXXX and no one has been able to give me any updates and I don't have money to pay my bills. Thank you Navy Federal for dragging this out, taking my only money, and possibly ruining my chance at staying in my house.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

i own a condo in a community and the lender wants proof of hazard insurance every year and I provide this. 

This year I sent proof ( 5 times ) on : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called Shell Point after each email and they have insured me that the proof was received and I requested proof by mail, which I never receive. 

I've worked with XXXX ' and sent the proof directly to her email adddress and she confirmed no issue, making that 5 emails. 

However, I continue to receive assessment emails and the last email on XX/XX/XXXX stated that they were adding this charge to my impound account. 

This exact scenario happened 3 years ago and the tried to put a lean on my home. Luckily, I save all my statements and the charges were not on my statements, so they could not charge me, I only know this because I worked for XXXX. 

this is a scam and shellpoint is cheating consumers XXXX
Consumer complaint received 2018-12-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

XXXX XXXX has called me approximately 17 times in the last 30 minutes after telling them not to call. 

I find this to be harassment. 

Please advise me.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-03-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (TN)

I have tried multiple times to get my payments lowered with Sallie Mae with them knowing my financial situation you would think they would understand but basically they dont care about your other bills just as long as you pay them. I recently received a billing statement only to be shocked that my amount due has gone up once again and this time I was not even notified that my payments would be increasing, I am enrolled in automatic payments so had I not read the actual billing statement I wouldnt have known because again I was not notified my payments were increasing. Each time I have reached out to Sallie Mae I have been told i am not eligible to get my payments lowered or even worse told a manager or supervisor would return my call and no one even calls. I reached out to legal representation and decided not to proceed but now that they have increased my payments without notice and will not working with me with lowering my payments I will be moving forward and continue to file complaints on this horrible business
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and PORTFOLIO RECOVERY made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from ACCOUNT NOW is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time PORTFOLIO tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  Account number XXXX This collection account is showing on both my Experian and XXXX credit reports. I have disputed this account, and it was not removed. Because of this collection account, I am unable to qualify to purchase a home. The credit report states that the account was opened XX/XX/2020. I did not open this account. 

After researching, I found that this violates my rights under the Fair Credit Reporting Act. My understanding is that the information contained within my credit reports must be accurate. 

I am asking that this account be investigated on both my Experian and XXXX reports. 

Thank you
Consumer complaint received 2018-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My XXXX XXXX charge account became slightly overdue because the bill was lost in the mail. I have an excellent credit rating - it was up to XXXX recently. As soon as the error was discovered I called XXXX XXXX and paid the bill in full ( it was only less than {$100.00}. ) But, unlike other companies, they reported me as 30 days late anyway. I was told that they would reverse this reporting and restore my rating ( which dropped by XXXX points due to their report ) but they never did. When I asked for an investigation by XXXX  I was told that XXXX XXXX confirmed me being 30 days late. I called XXXX XXXX twice and was told twice that they were very sorry and they would fix it but they never did. My near perfect credit rating has suffered dramatically due to one minor payment being a couple of weeks late. No other credit card has such a policy - especially when they can easily review my credit and see that I am credit worthy. XXXX XXXX manages to send to me sale e-mails practically every day but they never sent me an e-mail warning me that my bill was past due.
Consumer complaint received 2019-01-15
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. (MS)

Also, XXXX  have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting.

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported.

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification.

Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher XXXX  contacted PER 609 ( a ) ( 2 ).

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. XXXX, Transunion, & XXXX  should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.
Consumer complaint received 2018-12-21
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. (NY)

I ran my credit and notice things I had no knowledge of. I never use my personal credit for anything. I called each company numerous times which they stated it will not be reported and its still being reported. Its been over five months. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (CA)

This debt was for a XXXX co-pay. The original amount of the debt was {$270.00}. I was charged {$350.00} dollars by the collection agency when I paid the debt in full. They claimed it was interest but I was never notified that there was interest being collected for this medical debt. I told them this debt was owed due to hardship from XXXX XXXX loss of work.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (KY)

I applied for a credit card with Wells Fargo on XX/XX/XXXX. I didn't receive an immediate decision and received an e-mail on XX/XX/XXXX stating I was denied due to no bank cards open in the past 6 months. I called Wells Fargo because that made no sense because I closed my XXXX XXXX  card on XX/XX/XXXX, which I've had for quite some time and still had an open balance on. I applied for the WF CC so I could do a balance transfer. 

I called WF and asked if I were to get a denial letter also in the mail. ( Once I received the denial letter it said no open bank cards and no open bank cards in the past 6 months ). I also called XXXX  as that is who they use and confirmed my XXXX account was reflecting ( I have the paper copy now ). I explained to WF I have perfect credit ( no missed payments ) and have a long credit history ( I am XXXX ). I've previously had car notes, a mortgage, and a number of credit cards. I only have one card with a balance and that is my XXXX XXXX.My XXXX  credit score is currently reflecting as XXXX. When I had a home loan it was over 800. WF opened an executive complaint and I was given the case number and told to expect a resolution by XX/XX/XXXX. On the morning of XX/XX/XXXX I received an e-mail they needed more time to review my issue and to give them until XX/XX/XXXX. I called on XX/XX/XXXX but they couldn't do anything. On XX/XX/XXXX nothing had been resolved and I had received no communications so I called again. The man I spoke with said the person 's name handling my complaint was XXXX. I also had XXXX 's number and left a message to call me today and I have not heard anything and it's now the XXXX. 

Someone needs to seriously look into WF practices in regards to fairness in credit card applications. I have worked my whole life to maintain outstanding credit and I really don't appreciate the way I've been treated.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IN)

I applied for a Citi Bank card because the rewards promised seemed attractive. I was granted the card. However, I did not receive a statement the first month. After a while I became concerned and contacted Citi. They said I owed a balance and a late fee. I paid the balance immediately. I complained about the late fee and explained I was waiting for my first statement. They said I opted for a paperless statement, but I know that is not true. I never choose paperless, especially not for a new account. If I " chose '' paperless it is only because they tricked me. They agreed to waive the penalty, and they did so. However, an interest charge of {$32.00} appeared on my statement. That is more than the late penalty. That is unfair because 1 ) the payment was only a day or two late, and 2 ) I would have paid on time if I had received a statement. I contacted City again and talked to " XXXX. '' She just gave me the runaround, claiming she wanted to help me but had no " authority. '' I think Citi intentionally misleads customers unwittingly into paperless statements because they want to trigger late payments, late fees, and excessive interest. Then they stiff-arm anyone who complains. It is a scam.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. I want the following inaccurate items to be disputed and removed.
Consumer complaint received 2018-12-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Navient has continuously harassed, lied and pushed me into forbearance. I had my student loans with them since they took them over nearly 10 years ago. I have more than $ XXXX in student loans and I was forced into consolidating them with another company. Unbeknownst to me, I was bombarded with refinance/consolidation letters from a few companies, but it was always this one company called XXXX. When I was receiving the letters, I was never told that Navient owned XXXX. When I requested my loan promissory notes, they told me to do it online, yet you can not. My biggest concern is that Navient has essentially coerced me and many others into believing they could get student loan help by using this other company XXXX. But, they own the company they are telling you to move to. What a bunch of bull.
Consumer complaint received 2021-06-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (WI)

To whom this may concern : I have a loan through opp loans. I have used this loan company before and just refinanced recently. I am just curious how they can charge such a high interest in wi, when other states prohibit opp loans to charge 130 % interest rate and get away with it. I understand when I took out the loan, of the high interest rate. I just think that someone should look into the WI laws. 
Thank you for your time
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I have asked Experian for validation of the creditor. I have requested for all paperwork from the original creditor to be sent to me. Section 609 states I have the right to ask for the information that was received by the Bureau Experian has yet to send me this information.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (PA)

I am providing by request from navy federal. On the XX/XX/XXXX the transactions that need to be addressed. I did this in XX/XX/XXXX XX/XX/XXXX and 2 times this year. I cant see credits from navy federal anywhere on here. The only deposits made to bring account positive were my deposits. They paid Bill 's when I asked them not too. And they tried each bill 2xs with fees and no refunds. By doing this they made a horrible situation worse. And took account to XXXX dollars. There were no credits for the fraud or checking account checks due to them. My mom XXXX XXXX XXXX was a joint owner on this account. I have provided death certificate twice. This fraud attacked her and I. Since she was a joint owner this account should have been taken to XXXX balance and taken off all reports. Please look at uploaded material and notes I've made for you.