davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Items ordered at XXXX 's online on XX/XX/19 totaling {$710.00} were returned to XXXX XXXX XXXX XXXX, FL store on XX/XX/19, 2 weeks before my payment due date of XX/XX/19, resulting in a credit balance as of XX/XX/19. Despite the fact that a credit balance existed on the payment due date of XX/XX/19, Macy 's began harassing me by calling and leaving messages for me on a daily basis. When I spoke with 2 Macy 's representatives on XX/XX/XXXX, I was told that I would incur a late fee because I had not paid my minimum payment of {$27.00} on the payment due date of XX/XX/19. I advised the representative that on XX/XX/19, based on my merchandise return, I had a credit balance and no payment was due XXXX   's. XXXX seems to believe that they can require credit card customers to make a minimum payment even when the customer has a credit balance. In fact, the first representative insisted that my return, although it was made 2 weeks in advance of the payment due date, would not actually be credited until my next month 's statement! Apparently, XXXX  's has found a way to require customers to make so called minimum payments for merchandise that the merchant has already received back in its stock!!! This smells like fraud to me! After having my attorney speak with the 2nd representative, supposedly no late fee will be assessed. I have no idea whether or not XXXX 's will continue to harass me or whether they will waive their late fee! CFPB needs to investigate this practice!!!!!!
Consumer complaint received 2018-09-03
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. (OK)

I filed a dispute with XXXX on behalf of number of inquires that have appeared on my credit report, I have sent out dispute to the company 's as listed and some have came back as not deliverable, XXXX   responded with verified but didn't disclose how or what was used to verified with, confirmation # XXXX under 15 us code ss 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prime Recovery LLC (TX)

I have a loan showing open XX/XX/XXXX with the XXXX XXXX, which I did not open any loans with anyone in XXXX. When I contacted the XXXX XXXX on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted XXXXXXXX XXXX XXXXXXXX they said they did not have a file for me and to contact XXXX XXXX. I spoke with XXXX XXXX and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LL stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX XXXX claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.
Consumer complaint received 2022-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

I obtained a first mortgage from Truist Bank on an owner-occupied residence. 
I was required to open a Truist checking and savings account to receive a preferred rate on the mortgage, even though I did not bank with Truist at the time of origination. 
After making the first payment, I set up an automatic payment authorization. 
When the first payment in XX/XX/2022 following setting up the authorization was due I received a notice that there was not sufficient funds in the checking account. I transferred funds to the account from a savings account and the balance was shown as being paid. 
I received a notice my automatic payment authorization was withdrawn for the XXXX payment. I went online to pay the mortgage and found my online payment options had been XXXX. I called a customer service representative who would not take an authorization to transfer funds over the phone ( even though they could access my account information and confirmed my identification ). 
I spoke to the loan origination closer I worked with and was informed the XXXX payment was not made. I had to go to a branch and was informed the XXXX payment was made, similar to what I had seen on the system but contradicting the information from the loan closing professional. 
I have found that the mortgage was reported as delinquent to credit bureaus resulting in a significant decline in my credit score, even though Truist reported it as current. I find it odd that there is confusion around the payment status, that the bank actively limited my ability to pay the loan conveniently. I feel my credit score has been damaged unnecessarily by this incident.
Consumer complaint received 2019-05-03
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. (OH)

Experian, XXXX, and XXXX have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.
Consumer complaint received 2019-05-03
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. (OH)

XXXX, XXXX, and Transunion have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.
Consumer complaint received 2018-09-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CO)

My student loans are being managed by Navient and several times I have communicated with Navient that I will not pay on private student loans that were attached to my Federal Student Loan package by XXXX XXXX. Navient refuses to respond to my efforts to communicate and on XX/XX/XXXX, attempted to withdraw over {$2000.00} from my checking account. There are a couple of problems with this : 1 ) I never provided Navient with my banking information and if I did, I never authorized Navient to withdraw any funds from my account. 
2 ) When I logged on to Navient for the purpose of determining what the problem was, I found that Navient and enabled the " Automatic Withdrawal '' option without my consent. 

I immediately contacted Navient again and explained that I will not pay for loans that I did not consent to and which were tacked onto my Federal package without my knowledge. These loans are very high in interest and I am aware of the dangers of applying for private loans which is why I never would have allowed this if I had known about it. I am annoyed by the fact that XXXX XXXX added these loans to my package without my consent and that Navient continues to try and collect on them despite the fact that XXXX XXXX has since then lost their accredidation due to unlawful practices which further validates my reason for refusing to pay on these loans. 

As a means of further protecting myself, I have instructed my bank to block any and all attempts from Navient to withdraw funds and I deleted my banking information from my profile on the Navient website. However, given the fact that Navient obviously feels that they have the right to attempt to take money from my account without my permission, I'm sure they will try to figure out how to do this in the future. 

Please advise me on my best course of action regarding this matter. I have not problem with the loans I approved ( Federal ), but do not feel that I should be forced to pay for loans that were hidden in my Federal Student Loan package by a company that was abusing the system and taking advantage of their students. 

Thank you,
Consumer complaint received 2018-09-03
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)

I unlocked my credit files and obtained copies of my credit report from all three reporting agencies/bureaus and noticed that there is derogatory debt in the amount of {$770.00} reported by XXXX XXXX XXXX, supposedly collecting debt for XXXX XXXX, XXXX. I XXXX both and discovered that XXXX XXXX offer online pay day loans, which are ILLEGAL in the State of Georgia and are not offered here. My employer, XXXX XXXX XXXX XXXX XXXX had a major data breach in XX/XX/XXXX. They offered employees and family members credit protections for three years and my credit reports have been locked/frozen since then. This debt has an open date of XX/XX/XXXX, which shouldn't/could n't have occurred as my accounts were locked/frozen. XXXX also had a breach in XX/XX/XXXX but my credit files were already being monitored/locked/frozen. I have NEVER applied for a loan in Georgia or in any state or gone online or into any brick and mortar office to apply for a loan with these creditors. I have NEVER received any correspondence from either creditor and this debt is not valid as it was supposedly incurred during the time when all three of my credit reports were locked/frozen.
Consumer complaint received 2018-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PR)

Good day : My name is XXXX XXXX, and I have a student loan with Navient as a servicer. Since I live in Puerto Rico, during the hurricane Maria emergency, the servicer provided me with a payment deferment. And I made my payments as agreed. However on XX/XX/2018 the servicer send me an e-mail with my next payment due amount was {$59.00} ( and they told me by phone that the amount will be my payment for that month ), and the next day, they sent other amount ( {$150.00} ). 
I need you to investigate this situation, since I'm in an Income Based Repayment Plan, I don't want my plan to be affected of my credit reports. 
Also, the servicer needs to be more aware of the charges they make to the customers. 

Thanks in advance for your help, XXXX
Consumer complaint received 2018-09-03
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: Millco Management (NC)

I've been working with XXXX credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from XXXX, but we have gotten reports from XXXX   to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with XXXX. Everything has been removed from XXXX, XXXX several years ago.
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I couldn't believe it when I was looking over my credit report and saw there was a late payment from XX/XX/XXXX. 
I have absolutely no idea how this even happened. 
I always make sure to make my payments on time when I get my statements. Therefore I must assume that I never received the actual statement.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ATG Credit, LLC (TX)

This is inaccurately reporting on my credit report. I need this to cease and desist off my reports. I have proof that I had insurance at the time of service. This company has been trying to destroy my name. I called XXXX XXXX they could not provide me any information on what bills this was for and they are showing a zero balance. I will be forced to turn this over to the attorney general and small claims court as I am tired of the harrasement. There are 3 different amounts {$190.00}, {$4.00}, {$130.00}.
Consumer complaint received 2023-03-24
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: AMERICAN EXPRESS COMPANY (MA)

I disputed the account with the company and allowed them ample amount of time and they have have failed to comply with the investigation. They have failed to adequately respond to my debt validation. 

This debt was allegedly charged off and they are still reporting that I owe them after sending me a 1099C allegedly and showing no verification with the IRS .If a 1099C is filed how are you reporting income thats FRAUD violations : 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S Code 1681b Permissible purposes of consumer reports Produce the 1099C
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (TX)

My consumer rights have been violated. Pursuant to 15 USC 1681b I never gave consent. 
They are reporting fraudulently and pursuant to 15 USC 1681c-1 and 15 USC 1681c-2 the information needs to be removed and blocked. I have previously disputed these items errors and by reporting them my rights are being violated pursuant to 15 USC 1681s-2a1a reporting information with known errors. 
By allowing these errors they also are violating my rights pursuant to 15 USC 1681eb for maximum accuracy.
Consumer complaint received 2018-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

When I opened my account it was guaranteed to be free of fees for 125 years. My checkbooks was stolen on XX/XX/XXXX and the bank told me that by giving me a new account number everything would be resolved. I had two checking accounts that were free for 125 years. I told them that the account was free from all fees for 125 years and I did not want to loose the free service. XXXX at the branch on XXXX XXXX XXXX XXXX in XXXX XXXX California assured me that everything would remain the same except the account number. Everything went along fine until XX/XX/XXXX when both my checking accounts began receiving {$3.00} monthly fees for bank statements to be mailed. I complained and {$6.00} was credited back to my accounts. ( {$12.00} in fees and {$12.00} in credits ). The manager told me this had been corrected and the fees would no longer be assessed. Her name is XXXX and her number is XXXX. I called and complained when the fees continued in XXXX and she backtracked and said the 125 year free account did not include free Bank Statement being mailed. I told her I was filing a complaint and she did not care. I have incurred {$3.00} x 2 accounts for XXXX, XXXX, XXXX, and soon XXXX that total {$9.00} each account soon to be {$12.00} each account. Then in XXXX one of my accounts started being charged an additional {$10.00} fee for a total of {$13.00} a month. I did not realize the additional fee was being charged until the bank charged me a {$35.00} NSF fee for a check. This horrified me as there would have been enough money in my account had the bank not charged me all the fees. The notice stated my account was overdrawn by {$22.00} and they were assessing an additional {$35.00} fee. So to summarize the fees charged, Account One has been overcharged {$9.00} and increasing by {$3.00} the XXXX of every month and Account Two has been overcharged {$9.00} for statement fees also increasing {$3.00} on the XXXX of every month, {$20.00} for unknown fees and I assume they will continue to charge this additional undisclosed fee on the XXXX of every month, and a {$35.00} fee for a NSF that is their fault for charging me fees fraudulently. To date Bank of the West owes Account One {$9.00} and Account Two {$64.00}. I called XXXX Thursday XX/XX/XXXX and she has not returned my call or corrected my account. I am trying to locate my original free checking information however it is from around XXXX. Bank of the West is stealing money out of my account and committing Bank Fraud by taking money not due them and not agreed to by me. I also have direct deposit on both accounts so it is very difficult to change banks as well as redoing all my online payments.