davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-03
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I am an unemployed, XXXX-year old man who is currently going to school, hoping to improve my chances of being hired. I am a XXXX veteran with over 25 years of experience as a XXXX   XXXX. Therefore, my credit history must remain untarnished for me to successfully land a job. Unexpectedly, a few months ago, I started receiving notifications from Navient that my private loans were delinquent. Immediately, I started doing XXXX to come up with money to repay these loans. Navient offered me to enter a Rate Reduction Program, which I accepted. 

A few days before my second qualifying payment was due, I called Navient to forewarn this institution that I might be a couple of days behind, seeking their understanding and imploring them not reporting me to the credit bureaus. The lady whom I spoke with supposedly granted me this request, but when I made the payment on XX/XX/XXXX, Navient reported three ( 3 ) late  payments to the credit bureaus. I believe that this negligent act violated at least two provisions of my rights under the Fair Credit and Reporting Act ( FCRA ) 15 U.S.C. 1681. 

I called Navient several times and they continue to misrepresent the fact. Their employees and supervisors are covering up for one another. My third qualifying payment was made on XX/XX/XXXX. However, per Mr. XXXX ( Navient ID XXXX ), my third qualifying payment was not processed on time. It was processed on XX/XX/XXXX, upon my last call to Navient. In sum, I was asked TWICE to wait : a ) Until the XX/XX/XXXX ; and b ) Until XX/XX/XXXX to wait for the 6 wrongful past due reports disappear. 

This is abusive and likely will preclude me from passing an employment credit background check. Also, my other creditors might raise their rates on me due to a higher perceived risk.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I was born XX/XX/XXXX, my credit report states I was born in XX/XX/XXXX, its actually on XXXX and Equifax, I have my ex husband 's ex girlfriend who refuses to return our divorce papers and tax returns and I have bad credit because lack of credit. Someone keeps running my credit report and the date of my birth has never been inaccurate till this past year. I need to have it changed to correct year, it is causing to not accurately confirm my identity.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.
Consumer complaint received 2019-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I used XXXX to send money for the purchase of concert tickets. I used XXXX through my Bank of America mobile banking app and did not know the transfers could not be disputed if something were to happen. The seller received my money and said he was transferring the tickets into my name however I never received them. I have screenshots of our conversation. I also requested that he send the money back because the transfer never happened. He said he would then blocked me and never sent funds. I contacted Bank of America and they told me I could not dispute the charge. I can also show that the tickets he said were being sent to me were never in my XXXX XXXX XXXX.
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX has been reporting unverified and inaccurate information to the 3 major credit bureaus under my social security # illegally. They have failed to respond to multiple letters I have sent certified on XX/XX/2018 and XX/XX/2018, and they have failed to answer any request ( s ) of verification to verify their false claims. They have caused MAJOR damage to my credit file and I am currently considering small claims actions against them. This company has commited MULTIPLE violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws yet for some reason feels that it is above the law in its efforts to collect a debt that they are unable to provide any proof belongs to me.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX, my social security number is XXXX, my address is XXXX XXXX XXXX XXXX Oh XXXX. I requested a copy of my report and I am verifying my identity. Please remove any and all security freeze or blocks from my file!
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX, my social security number is XXXX, my address is XXXX XXXX XXXX XXXX Oh XXXX. I requested a copy of my report and I am verifying my identity. Please remove any and all security freeze or blocks from my file!
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.
Consumer complaint received 2019-09-16
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. (CA)

XXXX XXXX  XXXX CREDIT HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX CREDIT HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.
Consumer complaint received 2019-01-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (CA)

Between the years of XXXX and XXXX, I was attending XXXX school and obtained private student loans from Discover to help cover the costs of education. I have since graduated and pursued a XXXX XXXX degree, during which time I deferred my student loans. 

Now, I am pursuing a XXXX degree which I started late last year, right after my XXXX XXXX degree ended. Despite multiple requests, Discover keeps denying my request to defer my student loans, even while I am a XXXX XXXX XXXX. 

My current university, where I am pursuing my XXXX, is a world renowned university in XXXX, ranked much better globally than my XXXX, however, Discover denies it meets eligibility for deferment, stating that it will only accept deferments for students enrolled in accredited US based schools. The school is an officially accredited University by the XXXX XXXX XXXX XXXX. 

Note : All my federal loans were easily deferred. 

Discover being unwilling to defer my student loans could force me to drop out of this XXXX program or to fall below the poverty line, having difficulty paying for food and rent, or both.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

RE : Estate of XXXX XXXX XXXX, XXXX XXXX, Trustee XXXX XXXX passed away on XX/XX/2019. XXXX XXXX is her son, sole trustee and beneficiary of her trust. XXXX has checking and savings accounts at Bank of America that are held by the trust. 

Penny 's attorney is XXXX XXXX in XXXX, CA. He is a certified estate planning attorney in the state of California. Mr. XXXX advised XXXX NOT to obtain a TIN or EIN for the estate, as he is the sole trustee and beneficiary. Therefore, the trust would pass from XXXX XXXX SSN to XXXX XXXX SSN. Obtaining a new TIN or EIN would trigger a new tax filing and additional expense to the estate. 

Since XXXX XXXX death, XXXX has sold her home, transferred her XXXX XXXX account in his name and closed her account at the XXXX XXXX XXXX XXXX. All using his SSN and the trust documentation prepared by XXXX XXXX. 

Since XXXX XXXX death, Bank of America has been nothing short of a nightmare. They require that you set up an appointment at their branch to start the process. XXXX did that, only to be met by a brand new employee who was absolutely unprepared for the appointment. Two hours later at the branch ... painstakingly working through the process with the various employees, XXXX thought they had what was needed. 

The next day, he received an email telling him his case was closed because the corporate office didn't receive the documents from the branch and XXXX didn't provide proof that XXXX as XXXX ( why would you with a death? ). This was unbelievable. 

XXXX was then transferred to a couple other people who in turn told him that there was no exception to their policy - he MUST get a TIN and they could not or would not use his SSN. They suggested we ask our lawyer to write a letter to the bank, or call them ( at our expense ). 

We are not sure if this is malice or negligence at this point. We have a valid trust, with valid legal advice that has been put in practice with a national escrow company, a national investment firm and a credit union to conduct business through to completion on behalf of XXXX XXXX XXXX estate. 

XXXX has invested approximately 15-20 hours at this point with Bank of America. The funds need to be released immediately.
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

For the second time, Mr. XXXX XXXX has engaged XXXX to attempt to collect on a debt for which I do not owe but rather for which the said company found in, '' My favor '' back on XX/XX/2018 ( XXXX ) in the amount of {$610.00}. To wit, Mr. XXXX could not accept that decision and now is trying to collect on the same amount for reasons of " faulty merchandise '' to which he did not think of until three months after his " consumption '' of the a XXXX XXXX in XX/XX/2018. This is a bogus claim and needs to be dismissed as it is creating a HOSTILE AND ANTAGONISTIC situation for my business operation. In essence, Mr. XXXX is trying to impede my use of XXXX as method of payment with this bogus claim.
Consumer complaint received 2018-12-27
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 — Was not notified of investigation status or results
Company: ENOVA INTERNATIONAL, INC. (WI)

I sent certified letters to all three credit bureaus requesting an investigation and deletion of the cash net USA from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (AL)

I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

For the second time, Mr. XXXX XXXX has engaged PayPal to attempt to collect on a debt for which I do not owe but rather for which the said company found in, '' My favor '' back on XX/XX/2018 ( XXXX ) in the amount of {$610.00}. To wit, Mr. XXXX could not accept that decision and now is trying to collect on the same amount for reasons of " faulty merchandise '' to which he did not think of until three months after his " consumption '' of the a XXXX stay in XX/XX/2018. This is a bogus claim and needs to be dismissed as it is creating a HOSTILE AND ANTAGONISTIC situation for my business operation. In essence, Mr. XXXX is trying to impede my use of PayPal as method of payment with this bogus claim.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Bank is reporting Lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.
Consumer complaint received 2023-03-26
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2019-01-03
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. (GA)

I filed Bankruptcy and included my XXXX XXXX XXXX credit card. The debt was discharged but XXXX   XXXX XXXX sold the debt to XXXX XXXX XXXX. I have provided both companies with proof of my discharge and their debt and XXXX XXXX XXXX  is listed as a discharged by the U.S bankruptcy court, but they refused to remove it and are constantly trying to collect a debt that has been discharged.  that's illegal -- I have included proof that my bankruptcy was discharged and XXXX XXXX XXXX is listed in the paperwork **XXXX XXXX XXXX is showing collection charge off, but they were paid. I have included proof to show my balance was paid
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-11-18
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In 2016 my husband and I had a family circumstance causing us to fall behind on our mortgage. We attempted a loan modification but the mortgage company threatened foreclosure. We were afraid we would lose our home and filed for Ch XXXX bankruptcy. Right after we filed the mortgage company agreed to a modification. We dismissed the Bankruptcy because we no longer needed to do it. We never had to pay any trustee payments because the modification was resolved right after we filed. All 3 credit reporting agencies have the bankruptcy on mine and my husbands credit reports. Its destroying our credit and we never had to participate in the bankruptcy as we voluntarily dismissed it. Weve disputed this with the 3 credit bureaus and they refuse to remove it from our credit reports.
Consumer complaint received 2019-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (AK)

My credit report indicates that I owe {$2300.00} as of XX/XX/2017 to a collector by the name of Deville. 

I am not entirely sure where or how this debt originated from. I do not fully understand what the amount I supposedly owe is from. I need further clarification. To my knowledge I have never received documentation from this company nor any other correspondence of any kind. 

I have tried to contact this company via the phone number provided on my credit report, but have not been successful in speaking with a representative. 

Thank you
Consumer complaint received 2019-09-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (MI)

XXXX due on XX/XX/XXXX. did not receive funds. Called Ally Bank on XX/XX/XXXX. Received funds on XX/XX/XXXX, short interest of {$21.00} ( 3days from XX/XX/XXXX to XX/XX/XXXX ( {$120000.00} x 2.15 % x 3 days )
Consumer complaint received 2019-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

On XX/XX/19, I opened a new credit card account with XXXX  XXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted XXXX on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and XXXX had no remedy for me. I also contacted XXXX XXXX XXXXXXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on Equifax and XXXX XXXX and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to this matter.