davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

XXXX XXXX charges appear on my account for many months I had plenty of money in my account and I have been sick a lot so I really Hadnt noticed the constant withdrawals I called in on XX/XX/XXXX to report the unauthorized charges on my checking account. They took the report and would be deciding on putting a temporary credit I few days later that happened then when I was out of town I notice my card being denied and I look into it and the bank reversed all of credits I called them snd they said that some time in XXXX I okd all those charges there is no way possible that they spoke to me snd these charges arent mine I keep getting s run around snd they say someone will call me but not one single person has followed through How could they remove the temporary credit a couple days after they gave it to me when it takes XXXX for the process
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I was looking at my credit report and saw that my personal information on my credit report was not right my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXI never live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete these addresses immediately as am a victim of identity theft.
Consumer complaint received 2019-11-05
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. (VA)

I have a private loan with Navient and the company gave me option rate reduction for 9 months and this could have been extended to 36 months I was told on the phone ( 9 months ago ) I set up ACH through my checking account to pay this. Now after 9 months they do not want to re-evaluate my situation ( my financial income has not been changed since 9 months ago ). I called Navient today I was told the rate reduction does not apply to me any more. I asked for them to provide me a letter reason why I can no longer be eligible for rate reduction the answer was " we do not have to provide that to you ''. I believe based on my income I am not able to pay both student loans private and government unless there will be a reasonable solution to this. For past 9 months rate reduction has helped me temporarily continue living above poverty and attend school. I believe Navient deliberately creating all kind of obstacles to repayment and their action is illegal and they are discriminating based on my origin ( my name simply can provide my nationality ) they refused to this day backing up their claims in writing and that is a red flag. 
I am willing to pay my student loans based on my income. I am contacting my senator and state reprehensive to my area to informed them about this fraudulent activity from Navient. The company has been under fire from other borrowers for same reason which is called a " deceptive business practice ''.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (MN)

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Experian about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to the conclusion that the Credit Bureaus are not afraid to break Federal law thus they chose to be lazy and neglected my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the Item removed now! 

XXXX  XXXX
Consumer complaint received 2022-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TN)

I had savings account with XXXX XXXX. I opened up new savings account. With trust which was still SunTrust at the time. On XX/XX/XXXX I did an external transfer for {$10000.00} from XXXX XXXX savings to SunTrust. Money left XXXX XXXX account but never made it to SunTrust account. I've spoke to both Banks on the phone several times. Went to SunTrust and spoke to 4 different people. I've got several emails from XXXX XXXX. Both Banks are pointing at the other saying it's their issue they need to solve it. Neither bank will communicate with the other. Here it is XX/XX/XXXX and my savings still hasn't been put in account neither bank in a doing anything about it. {$10000.00} that was my life savings something needs to be done. What are my options? What type of lawyer do I need to handle this?
Consumer complaint received 2022-01-08
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)

My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.
Consumer complaint received 2021-07-20
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. (PA)

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND DISCOVER. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2017 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND DISCOVER ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. XXXX HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST XXXX, STATE ATTORNEY GENERAL, AND XXXX.
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt  unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (PA)

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND DISCOVER. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2017 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND DISCOVER ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. XXXX HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST XXXX, STATE ATTORNEY GENERAL, AND XXXX.
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (NJ)

On XX/XX/2019 I was at a work meeting with my Administrator and CFO of our company. A call came through my Administrator 's personal line from Regional Acceptance Corp ( Loan company ) regarding payment due on my vehicle. i am currently behind 1 month, which is being paid on XX/XX/2019. The representative told my Administrator that this was a " personal '' call. Embarrassed, I had to take the call in front of my Administrator and CFO regarding this " personal '' issue. The embarrassment of having my personal issues reported to my employer is not the way to do you business. Now, they will continue to contact my Administrator. I had to hear my Administrator speak to my about receiving " personal '' phone calls at work, with regards to my personal matters. I have requested to have that number removed from my file. The young lady I spoke to is XXXX.
Consumer complaint received 2021-10-09
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. (WI)

ORIGINAL CASE XXXX WHY IS THIS STILL ON MY CREDIT REPORT. THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX. AGAIN I ASK WHY IS XXXX & EQUIFAX ENTERING REMARKS ON AN ARCHIVED ACCOUNT. DO NOT MAIL ME YOUR FINDINGS. I WANT EMAIL ONLY AND YOUR RESULTS OF THE INVESTIGATION UPLOADED ON THE CFPB. I TRIED DISPUTING DIRECTLY ON EQUIFAX AND WOULD NOT LET ME.
Consumer complaint received 2021-07-20
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. (CA)

I have repeatedly requested for a security alert to be removed from my credit report. I have provided copies of passport, drivers license, insurance forms, bank statements. They completely ignore my request or request the exact same documents over and over. I want punitive action taken.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Millco Management (NC)

On XX/XX/2019 I visited XXXX Hospital in XXXX North Carolina. I had insurance ( XXXX ) at this time and should have been covered fully. The XXXX in XXXX county has confirmed this and I have been working with XXXX, who is fantastic and helping search this problem daily. My account number with AmeriFinacial Solutions is XXXX and the reference number is XXXX The above mistake on XXXX XXXX XXXX has cost me dearly in interest rates, declined credit lines, declined automobiles and many other headaches. This must be deleted from all three credit reporting bureaus immediately or I will seek council for damages. I highly suggest you reach out to XXXX in XXXX and get this resolved in very short manner. The total bill is now XXXX This has already been removed from XXXX. However, it is still showing up on XXXX. This has been requested months ago to be removed as I was not held responsible for this account. XXXX has called you months ago to remove this. Remove this immediately and send me a written copy with company letter head that you will be deleting this. Otherwise, you leave me NO CHOICE but to seek damages.
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION ()

XXXX XXXX, 2021 received form Declaration of Loss from Navy Federal Credit Union. The form seeks to make me, XXXX XXXX responsible for the lost check or if someone cashes the lost check. I have documents I like to forward concerning the issue of closing this account. Navy Federal Credit Union has informed me several times to use their security message center. I have informed them again and again and again and again I do not have access to their Secure message center and ask to provide means to use it. Always never a reply. The reason I bring this up is they want me to return the form though their message center or send it through regular mail which takes about a month from my location. I am not pleased that Navy Federal Credit Union tries to make me responsible for a lost check that i never received. They take zero responsibility for the check they issued. Lost, stolen or some one else cash they seek to make me responsible and i will not be responsible for the remitter ( Navy Federal Credit Union ) when they issued the check XXXX XX/XX/2021. No care or concern is shown to the customer from my view point. I have written Navy Federal again and again and again and informed them i have no access to their secure message center still that is one of the ways I am told to contact them. It would be very simple to issue a check send via certified, express, or registered that ways some form of tracking could be done. I am informed to contact them through call in or go to one their offices. The account that was closed I have no ideal what is the account number. All the many many letters written to them i get the same results. No customer help or care or concern. I am happy to end our relationship all they have to do is make a good effort to send me the check from the closed account. That is all I ask. Navy Federal Credit Union informed me the they were MAILING THE CHECK., they did not day they mailed the check. The Declaration of Loss indemnity the 100 % of any responsibility for the lost check that they issued. I am ask to sign a form that I am responsible for a check that I have never received. That I will not do. Resolution simple. Navy Federal Credit Union make best effort to ensure that some form of tracking is done when they issue another check. I would think they have a way to see if the check they issued has been cashed. If it has they seek to make me responsible. This issue has taken much more effort than it should it Navy Federal Credit Union use simple customer service this issue long resolved.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have repeatedly requested for a security alert to be removed from my credit report. I have provided copies of passport, drivers license, insurance forms, bank statements. They completely ignore my request or request the exact same documents over and over. I want punitive action taken.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have repeatedly requested for a security alert to be removed from my credit report. I have provided copies of passport, drivers license, insurance forms, bank statements. They completely ignore my request or request the exact same documents over and over. I want punitive action taken.
Consumer complaint received 2019-11-05
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)

Please be advised that this is my 11nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2021-09-16
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. (NV)

So I checked my transunion credit score it dropped 58 points now I'm trying to figure out what went wrong it says missed or late payment for auto loan I immediately call XXXX XXXX XXXX  to inquire they tell I'm actually paid ahead on loan meaning I have paid more then agreed on contract so how can transunion drop my score XXXX XXXX states they didn't report anything to credit bureaus now I'm thinking I have proof I made a payment it's in my email for XX/XX/2021 this needs to be fixed immediately XXXX denies any wrong doing so it's transunion fault and needs to be fixed
Consumer complaint received 2020-09-09
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: EQUIFAX, INC. (VA)

I do not recognize this account, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.