davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Since XXXX I 've been religiously paying XXXX XXXX XXXX XXXX through XXXX XXXX and Navient. There were 7 loans ( between $ XXXX and $ XXXX each ) that totaled {$94000.00} ) that were secured between XXXX and XXXX to help get my XXXX daughters through a XXXX based University. The interest rates were supposed to be fixed at between 4 % and 5 %. I have been paying an average of about $ 500/month for the past 20 years and as of today, only {$19000.00} has been reduced from my original obligation. How can I have paid XXXX/Navient over {$120000.00} during this time frame and still owe {$74000.00} of a {$94000.00} bill??? In closely reviewing how these payments were handled by Navient, as little as {$0.00} has been applied to the principal about 40 times. My most recent payment of XXXX XXXX only had {$55.00} of a {$550.00} payment applied to principle. The average over the past 15 years paid to principle varies every single month despite being a fixed loan but averages about {$130.00} of a {$550.00} payment. In my opinion there is fraud here. Navient has offered no better viable options since the inception of these loans and they are impossible to get through directly. I am now XXXX and recovering from a debilitating illness. I 'm not looking for sympathy, only looking for an intelligent answer to this issue before I request legal advise.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

XXXX/XXXX/XXXX Release of Tax Lien State of Alabama {$XXXX} Docket # XXXX XXXX/XXXX/XXXX Release of XXXX XXXX State of Alabama {$XXXX} Docket # XXXX tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual Per state law
Consumer complaint received 2022-10-27
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-02-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Received a letter from XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt XXXX XXXX XXXX will not sue me and will not report it to any credit reporting agency. So XXXX XXXX XXXX has placed this account with XXXX, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.
Consumer complaint received 2022-05-12
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: Consolidated Information Services Solutions, LLC (TN)

XACTUS pulled my XXXX credit report resulting in a hard inquiry on XX/XX/2022. I never filled out a credit application, or gave permission for my credit to be pulled. I have contacted XXXX directly twice to dispute the inquiry and have been told the inquiry is valid and will not be removed. How can the inquiry be valid if I never filled out a credit application with any bank that used XACTUS morgage to pull credit?
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a debit card from Bank of America on XX/XX/2022 that I did not apply for. I called Bank of America on XX/XX/2022 and requested that the card and account be cancelled.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX, I had received an email from a scammer pretending to be the President of my company requesting for me to purchase {$600.00} dollars worth of gift cards to give them away to employees at an XXXX. As I believed it was the President of my company the day of the transaction was on XX/XX/XXXX at an amount of {$600.00} that was purchased on my debit card. When I found out that this was a gift card scam I immediately called Chase bank and reported the problem and they mentioned they could not help me because I made the transaction. I have a language XXXX so sometimes people can not understand me so I proceeded to call again the next day with my XXXX  that helps me. I told the bank although I did make the purchase I was mislead through false pretenses and was mislead by the scammers for gift card purchases. After explaining this to the bank I was told that they were going to put the money back into my account and I should not have to worry about it. The money never came back into my debit card and me and my XXXX  proceeded to call again and they said they were going to reimburse me the money while they did the investigation. The first person said that I would get reimbursed for sure with no issues and the second person said something completely different. I already felt deceived by being scammed and also felt saddened that the bank could not give me the correct information to help me with this unfortunate situation. Chase bank notified me that they were not able to help me and could not return me the money that was scammed from me as part of a gift card scam because I authorized the purchase. Again, I notified the bank that this was not an authorized purchase because I was deceived under the pretenses that it was my President of my company. The bank refuses to refund the money and was hoping to share my frustration and disappointment and hopefully get any time of help. I have also reporting the incident directly to XXXX and was notified that I would not be able to be helped with the gift card scams. I was mislead under false assumptions and I am a victim of a scam and hope I can get any help at all. Thank you
Consumer complaint received 2022-10-27
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This XXXX must be reported in error. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Additionally, there is no name associated withthis file & needs to be deleted due to inaccurate information. PLEASE DELETE. 

Original creditor : XXXX
Consumer complaint received 2022-05-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-12
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: Experian Information Solutions Inc. (TX)

For more than 5 years, I have made 100 's of request for a copy of the permissible permission to have accessed my credit report in XX/XX/2017 from Experian and XXXX XXXX XXXX XXXX XXXX. Experian forwards request to XXXX and replies back before 60 days that XXXX states they are reporting properly. And I have yet to receive the permissile permission used to access my credit report in XX/XX/2017.
Consumer complaint received 2022-05-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Fwd : LOSS MITIGATION LIABILITY Thu, XX/XX/XXXX XXXX pm XXXX To XXXX XXXX Sent : Thu, XX/XX/XXXX XXXX pm Subject : LOSS MITIGATION LIABILITY Dear XXXX XXXX, This is to inform you of the progress we are making with Bank of America. 

The Company Bank of America is claiming it has no Liability in reference of the mishandling of this Loan during the XXXX XXXX. 

We are going to face the Foreclosure of this Property and sue Bank of America for Fraud, just like we did with the twin property number 1, at XXXX XXXX XXXX in XXXX. 

The Justice Dept. ruled in our favor, resulting in Principal and Interest reduction as compensation for the financial injury we suffered during that Crisis. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX account number XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have mailed in a dispute to Experian and they continue to ignore my investigation request, and only remove the inquiry. They do not investigate the actual accounts, they ignore the dispute request all together. The following inquiry for XXXX XXXX XXXX was deleted. The account needs to be deleted as well as it does not belong to me. In addition, the following accounts need to be removed as well : These accounts do not belong to me : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Account XXXX. 
3. XXXX XXXX XXXXXXXX XXXX XXXXccount XXXX The payments have never been late on this account : XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts 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
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

capital one - XX/XX/XXXX - I didn't authorized or apply. 
capital one - XX/XX/XXXX - I didn't authorized or apply. 
capital one - XX/XX/XXXX - I didn't authorized or apply. 
XXXX XXXXXXXX XXXX - XX/XX/XXXX - I didn't authorized or apply. 
XXXX - XX/XX/XXXX I didn't authorized or apply. 
XXXX ( card service ) - XX/XX/XXXX - I didn't authorized or apply.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (WI)

Recently, I received an alert from my credit monitoring system which indicated my credit limit on a card decreased {$9600.00}, an over 60 % decrease in my available credit. I contacted a representative from the credit card company to discuss. The representative explained the significant decrease in available credit was due to increased usage of their card and a recent increase in credit inquiries. I explained the increase in inquiries was due to applying for a loan to install solar panels on my home and my increased usage on the credit card account was expected to be temporary, as evidenced by my recent large repayment, and per review of my account, I have not missed payments nor been late on any payments. He indicated they could possibly look at my account again however, not for a while due to the recent review. I explained how the egregious decrease in available credit would significantly reduce my credit score and artificially make future credit inquiries more difficult. Due to their unwillingness to continue to work with me as a customer, I informed them I would pay down my balance and then close my account, which would continue to negatively affect me from a credit and cash flow standpoint however, I will not work with a company that arbitrary hurts their most loyal customers.
Consumer complaint received 2019-11-19
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. (FL)

This is a complaint against XXXX XXXX  XXXX The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2022-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

New and updated information. I XXXX XXXX am submitting this complaint without any influence of a third party. Transunion is knowingly and willfully illegally furnishing accounts on my consumer report without my consent. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) a consumer reporting agency may furnish to a consumer report in accordance with written instructions from the consumer. I did not give Transunion consent to furnish anything to my consumer report. No consent is Identity Theft. An FTC report was sent to Transunion on XX/XX/2022. Pursuant to 15 U.S.C 1681c-2 a consumer reporting agency has 4 days to block the information listed on the FTC report . Unless Transunion can provide written documentation that I gave them consent to furnish to my consumer report they are fraudulently acting on my behalf. Please see attached documents as it contains my full complaint.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In error, I submitted a payment to XXXX XXXX through my bank, Fifth Third. I contacted XXXX XXXX less than 30 mins after the payment was made. XXXX XXXX was unable to stop the payment as it had not posted, they suggested I contact my bank. I reached out to Fifth Third who said they were unable to stop the payment. This has an internal case number of XXXX. After escalating this to a supervisor, they finally offered to put a stop payment in place for a fee of {$33.00} with no guarantee that the payment would be stopped. This was only less than an hour after I had input the payment. It is inconceivable that a bank as large as this is unable to assist with what is a simple request given the very short time from notification of my error. If my account becomes overdrawn, I am responsible for any overdrafts that might occur even with my request to stop only 1 hour after the payment request was input.
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit Management is collecting on behalf of XXXX. I had a conversation with someone in XXXX that informed me that all of their representatives are based in XXXX. I do not want someone in a foreign country having access to my information or my wife 's information. The account is in my wife 's name, they have called me about it numerous times. I have told them numerous times that I ONLY want U.S. based representatives contacting us or having access to that information. They have refused.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (NJ)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-19
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. (FL)

This is a complaint against XXXX XX/XX/XXXX XX/XX/XXXXThe reason why I am writing this complaint is because on my Transunion, XX/XX/XXXX, and XX/XX/XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.